After one year of registration, your ID card, the details of the bank's running bill for the past six months (bank seal), the business premises lease contract and the rental contract without bad credit (such as credit card). Are you sure it's not a bank mortgage? If the bank mortgages, you can have a real estate.

Two. What are the loan conditions of domestic corporate banks?

1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;

2. The enterprise has a good reputation in various commercial banks and has no bad credit record;

3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection;

4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;

5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;

6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;

7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;

8, in line with the establishment of small business related industry credit policy;

9. Abide by national financial regulations and policies and relevant bank regulations;

10. Open a basic settlement account or a general settlement account with the applicant bank.

Three. Credit rating of small and medium-sized enterprises of Agricultural Bank of China

If you want to get a loan from ABC, go directly to the account manager of the local ABC, and he will tell you what you need. It is nothing more than those basic materials, business licenses, code certificates, loan cards, capital verification reports, articles of association, seals and identification certificates for the last three years, and national taxes and local taxes.

Four, the enterprise legal person loan conditions

An enterprise as a legal person is a person who needs to bear corresponding responsibilities for the obligations of the enterprise. Can an enterprise as a legal person borrow money? The answer is yes. So what are the conditions for corporate loans? I'll sort out the relevant information about the loan conditions of enterprises as legal persons and show it to you. I hope it will be helpful to you.

The conditions for an enterprise as a legal person to apply for a loan are as follows: 1. It must be established with the approval of the State Administration for Industry and Commerce, registered and hold a business license; 2, the implementation of independent economic accounting, independent operation, self financing. 3. Have certain self-owned funds; 4. Abide by policies and decrees and the bank credit settlement management system, and open basic account and general deposit accounts in banks as required; 5. There is a market for products; 6. Production and operation should be profitable; 7. Do not misappropriate credit funds; The following conditions should also be met: 1, with the ability to repay the principal and interest on schedule. 2. The asset-liability ratio meets the requirements of banks and loan companies. After meeting the above conditions, an enterprise as a legal person may apply for a loan from a bank or a lending institution, wait for the loan after passing the examination and approval procedures, and solve the problems of the enterprise. Materials required for corporate loans: 1, ID cards of both husband and wife, household registration book, marriage certificate and real estate license; 2. Business license, tax registration certificate (national tax and local tax), organization code certificate, account opening permit, articles of association (filed by the Industrial and Commercial Bureau) and capital verification report valid for the latest annual inspection of the enterprise; 3. Letter from the board of directors (shareholders) agreeing to the loan; 4. The bank flow of the company account in the past three months. 5. Copies of the ID cards of the legal representative and shareholders, and show the originals; 6. Balance sheet, income statement and cash flow statement at the end of the first three years; Balance sheets and income statements at the end of last month and the same period of last year; 7. The lease contract of the business premises of the enterprise shall be stamped with the official seal. Note: Some banks will require enterprises to apply for a loan card, but not all banks do. Special commercial enterprises as legal persons also need to provide: production and operation licenses, polluting enterprises must provide pollution discharge licenses, enterprises and shopping malls that produce and sell flammable products must provide fire protection licenses, food enterprises must provide hygiene licenses, and construction enterprises must provide certificates of qualification grades. To sum up, although an enterprise as a legal person can borrow money, the loan conditions are still relatively strict, and it needs to be strictly observed when lending. You can consult online about the related contents of enterprise legal person or other issues.