Loans to banks mainly require legal person qualification, loan card certificate, good credit, sufficient collateral, opening a general account in a bank or basic deposit account, frequent fund settlement and large capital flow; There is a credit rating according to the requirements of the loan bank, and the success rate of reaching Grade A or above is generally higher. Then put forward the credit demand to the bank, including loan amount, term, interest rate level and guarantee conditions (mainly divided into credit, mortgage pledge and third-party guarantee). The bank's loan officer or account manager will help you sort out the application materials and attend the bank's credit approval meeting. The waiting time for approval results is generally between 1-3 months. If the bank agrees to give you a loan, then the bank will handle the loan formalities for you. You must use the loan according to the relevant requirements of the approval, and repay the principal and interest on time according to the amount.

2. There is no necessary proportion requirement between current assets and fixed assets, but the asset-liability ratio is generally not too high, and different industries have different proportion requirements; In addition, the current ratio and quick ratio should generally not be lower than 1, and the inventory turnover rate and accounts receivable turnover rate should not be too low. There is no invoice for fixed assets, see how you get it. If it's illegal, it can't be done. First of all, it shows that your company's credit level is not good. What documents did you use to access the account?

3. It is necessary to provide the bank with major statements such as balance sheet, income statement and cash flow statement. Audited by certified public accountants of accounting firms. Generally, banks will not read the company's vouchers and accounts carefully, but accountants will ask them to read the audited statements carefully.

Ok, I hope you can successfully apply for a bank loan by strengthening your own management and improving the credit level of your enterprise.