How long does it take for a factory corporate loan of 5w

Generally, the processing time for corporate loans is 1-2 working days, and the fastest working day. The general processing flow is to record the bill first, and then the bank manager will visit the business site, and if the conditions are met, the loan will be released.

corporate loans refer to business loans to corporate entities, which are mainly used to meet the normal capital needs of enterprises in the process of production and operation, and are divided into working capital loans and fixed assets loans.

The conditions for corporate loans are:

(1) The enterprise applying for loans needs to be registered and established in the industrial and commercial administration department for more than one year and operate normally;

(2) An enterprise as a legal person needs to open an account with a loan handling bank and handle settlement and credit business for at least one year;

(3) The invoice amount of the enterprise in the past six months is about 1.5 million yuan;

(4) The enterprise as a legal person has not owed taxes, arrears, wages of employees and other arrears (except normal payables);

(5) The enterprise's debt ratio cannot exceed 5%;

(6) The enterprise as a legal person and its major shareholders and key management personnel have good credit in tax payment, financing and operation in the past three years, and have no bad records.

how can I apply for a corporate loan if the corporate credit is not good?

first, the legal person's credit reporting is not good. What kind of bad is it? Is the loan too much or overdue? If there are too many loans, then pay off some loans before applying! If it is overdue, it depends on the specific overdue amount, overdue times, overdue days and overdue reasons. Applying for corporate loans is allowed to have loans or overdue, but it depends on whether your loan amount and overdue are within the allowable range. Just say that the credit is not good, and you can't judge any substantive problems. If the existing legal person is really poor in credit reporting, you can also change the company legal person and apply again.

second, the types of corporate loans. Mortgage loans and credit loans.

mortgage loans require real estate as collateral. If the loan amount is less than 3 million, you can make a loan, which can be completed in 15 working days. If the loan amount is more than 3 million, it may take longer, maybe 2-3 months.

repayment methods include equal amount, equal principal, interest before principal, interest of 6%-7% a year, and loan period of 1-2 years. Information required: credit reports of legal persons and enterprises (some banks also need personal credit reports of shareholders), running water in the last six months, upstream and downstream contracts, business licenses, and business site lease contracts. All banks can handle it, but the specific requirements are different!

credit loans, now mainly tax loans. Because the interest rate is low, the procedures are simple, the loan is fast and the requirements are low. You can lend money on this day, with interest paid first and principal paid later for one year, and the interest rate is 5.25%. Pure credit loan, you can borrow 1 million. It is directly enlarged according to the tax paid by the enterprise in the last year. The handling method can be handled by all major banks.

hello, I'm glad to answer your question. Many people may not know much about it, or even can't tell the difference between legal person, legal representative and legal representative. I think that the so-called legal person mentioned in the usual mouth is the company BOSS, not all of them. The major shareholder of many companies is not the legal representative, but the legal representative is just a representative, and the shareholders are the ones who listen to politics. So in this case, the only feasible way is to change legal person. This is also very easy to handle. I don't know which city you are in. As far as my city Xi 'an is concerned, you can fill in the information online and get a new business license on the same day as soon as possible after the examination. Yes, it is so fast and convenient, so you can apply for a loan. After all, corporate loans need to check the credit information of companies and legal persons. When the loan is approved, it is very quick and convenient to change the legal representative again. In theory, it doesn't matter if you change it ten times or eight times a year. Of course, if the company is ready to go public, remember not to change the legal person at will, which will have a great impact and will make you lose all your efforts. This is the only simple, convenient and feasible way. Don't believe that the bank has acquaintances, even if the branch president says it doesn't count. Believe me, that's right. If you are short of funds to prepare a loan, when you see this, go and search the information needed by the local industrial and commercial department to replace the legal person. Finally, I hope my answer will help you. Remember to reply to me when the loan is put down. Thank you.

when an enterprise applies for a loan, it does not necessarily have a strong relationship with its legal representative. The legal representative of an enterprise is a natural person, and the quality of his credit information will limit the way of company loan. The loan method related to the company representative's own guarantee may be rejected, but it is not, and it needs specific analysis.

there are many ways for enterprises to apply for loans from banks, and the loan products developed by banks according to the situation of enterprises are also varied. But generally speaking, it can be divided into secured loans and credit loans.

as far as credit loans are concerned, when banks do their best, they will not only conduct an all-round review of the enterprise itself, but also conduct a survey of the company's core personnel and make a decision based on the results of the survey. If the legal representative has a credit problem, the company will inevitably suffer, and this loan method is basically hopeless.

for secured loans, it depends on the situation. If the company itself has enough collateral to guarantee the loan, it doesn't matter what the credit of the legal representative is. If the legal representative uses his own assets as collateral for enterprise loans, it is also possible, but the state of collateral will be specially monitored. If the legal representative guarantees the loan for the enterprise with his own credit, it will definitely not work.

So in this case, whether the enterprise itself or others can provide full guarantee for the enterprise loan, then the possibility of obtaining approval for the bank loan is still very high.

first of all, let's be clear, are you a corporate loan or a corporate loan? There is a difference between the two:

the conditions required for handling enterprise loans

a resolution issued by the company's board of directors approving loans.

conditions for corporate loans

general corporate loans are unsecured corporate loans, which are targeted at corporate and controlling shareholders, and are used for business turnover and other purposes based on business conditions and credit qualifications.

I hope the above answers will help you.

Can banks

corporate entities lend money?

Yes. A legal person can make a loan. As long as it has complete information, it can submit an application to the bank according to the standard process. After the approval, it can make a loan in the name of a company as a legal person. If the company's legal person changes, it also needs to make relevant changes in the loan procedures according to the regulations, otherwise it will affect the loan application. The conditions for a company as a legal person to apply for a loan are as follows: 1. It must be approved by the state administration for industry and commerce to be established, registered and hold a business license; 2 the implementation of independent economic accounting, independent management, self financing; 3. Have certain self-owned funds; 4. Abide by policies and decrees and the management system of bank credit and settlement, and open basic deposit 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.

1. according to article 57 of the general principles of the people's Republic of China and the national law, a legal person is an organization with civil rights and capacity for civil conduct, which independently enjoys civil rights and undertakes civil obligations according to law. The legal person system is an important legal system to regulate the economic order and the whole social order in all countries of the world. Legal person systems in different countries have the same characteristics, but their contents are different. Different legal persons have formed different legal person theories, and the theory of legal person system has become the theoretical basis for countries all over the world to establish and improve legal person system, standardize economic order and the whole social order.

2. A legal person refers to an independent unit in common parlance. A unit is regarded as a legal person in law, and it has its own taxation and honor just like a natural person. The most common ones are companies, such as limited liability companies and joint-stock companies.

the legal representative is the main person in charge who is required by national laws to report to the government for record when a legal person is established. Once this person is approved for filing, he can't change it at will, and it will be written on the business license. Of course, it can be replaced after a certain procedure is re-reported to the government for approval. It is not that someone decides to change it at will. This legal representative is an ordinary natural person, not a virtual one. Take a company as an example. A company may not have a chairman, but it will definitely have a legal representative. When the legal representative of the company handles affairs on behalf of the company, it is generally unnecessary for the company to issue a power of attorney. Anyone else in the company should have a written authorization document of the company when handling foreign affairs, otherwise the company can not recognize the document signed by this other person in the future (that is, the company can not recognize the account). Legal representative is a legal concept, which is an important registered item of an enterprise. Any unit that is a legal person will have a business license, which will indicate who is the legal representative of the unit.

Is it good to approve corporate loans at the age of p>22?

Yes. The enterprise applying for a loan needs to be registered and established in the industrial and commercial administration department for more than one year, and it is in normal operation. It cannot act as a representative and can entrust others to handle it. That's all.

Is the loan a good loan for a wage earner or a good loan for an enterprise as a legal person

There are more loans for an enterprise as a legal person, and it is easy for a wage earner to get loans with a good reputation, but the amount is not very large.

Let's stop here for the introduction of how easy it is to get loans for an enterprise as a legal person.