For the development of enterprises, most enterprises will choose loans, so that companies can maintain normal expenditures and operations. Corporate loans generally choose a more formal lending platform, so do you check the credit information for corporate loans?

Credit information of corporate loan viewers?

Under normal circumstances, enterprise loans should not only check the credit information of enterprises, but also check the credit information of legal persons. Specifically, if a company's credit information is tainted, it will affect the company's application for loans. However, in fact, whether the loan can be successful depends mainly on how the borrowing bank determines it. If it is a credit stain caused by malicious overdue, the probability of loan success is not great.

In short, if you apply for a loan, you must check the credit information of the loan applicant. If the loan applicant is a legal person and the actual controller applies, you must check the credit information of the actual controller.

What are the procedures and conditions for enterprise loans?

What procedures and conditions are needed for enterprise loans mainly depends on what kind of loan business the enterprise operates and the requirements of the handling bank or lending institution. Different types of loan business handled by enterprises, different banks or lending institutions apply for, and the procedures and related conditions will be different.

For example, when an enterprise applies for a credit loan, it can directly bring its business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the business outlets of banks (lending institutions) to find staff to handle it.

If you want to apply for a mortgage loan, you need to go through the mortgage registration procedures in addition to applying for and signing a contract at the business outlets. Moreover, the materials prepared must also have relevant documents of collateral. In terms of conditions, in addition to the above, the value of collateral will be required to be sufficient.

However, it is not impossible to borrow. If there is a credit stain, you can find a local guarantee company and apply for a corporate loan from the bank through the guarantee company. You can also apply for a loan from the bank in this way.