Legal analysis: company loan conditions: 1, no bad credit record; 2. Business license; 3. Ability to perform contracts and repay debts; 4. The operator or actual controller has worked for more than 3 years and has no bad personal credit record; 5. The operation of the enterprise is stable, and the establishment period is in principle more than 2 years (inclusive); 6. Open a basic settlement account or a general settlement account.

Legal basis: General Principles of Loans in People's Republic of China (PRC).

Article 3 The issuance and use of loans shall comply with national laws, administrative regulations and management regulations issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity.

Article 4 Lenders and borrowers shall follow the principles of equality, voluntariness, fairness, honesty and credibility.

Article 5 Lenders shall follow the principles of fair competition and close cooperation when conducting loan business, and shall not engage in unfair competition.