Second: sign a loan contract and related guarantee contract with the bank. After the enterprise's loan application is approved by the bank, the bank and the enterprise need to sign all relevant legal documents.
Third, implement and improve the guarantee procedure according to the conditions agreed in the contract.
Fourth: issue loans. After all the formalities are completed, the bank will issue loans to the enterprise as soon as possible, and the enterprise can control the loan funds according to the pre-agreed purposes.
At the same time, we should also pay attention to the following issues:
First: Choose the right bank. Because banks lend to small and micro enterprises, the income is very low, the risk is very high, and the bad debt rate is very high. Insufficient repayment ability of small and micro enterprises is a great hidden danger, so most banks have a bad impression on small and micro enterprises and have low trust. Some banks are generally difficult to lend, and some banks just love small and micro enterprises. Therefore, it is very important to choose a suitable bank when lending, which can not only save a lot of time and energy, but also the amount of loans varies widely.
Second, choose the appropriate credit varieties. Because most small and micro enterprises' product orders, inventory and sales volume are not fixed, there is no complete liquidity chain, there is a lack of effective and valuable collateral, and traditional loans tend to be conservative, so it is difficult to meet the urgent needs of small and micro enterprises in terms of loan approval quota and repayment constraints. At this time, it is particularly important to choose the appropriate credit varieties. Credit cards and e-commerce loans are tailored for small and micro enterprises.
Third: Common loan channels.
1. Mortgage loan
Generally, mortgage property is used to borrow money from banks. Collateral is usually the machine or factory building of the enterprise. The loan amount can generally reach about 70% of the assessed value, and the bank's approval process is faster. The general approval and issuance period is one month. The loan period is one to five years.
2. Credit loan
That is, enterprises do not apply for mortgage loans, and obtain bank loans by virtue of their own business ability and credit without providing collateral. In this enterprise credit loans way, the bank's audit conditions will be more stringent. The loan term is also long, and the loan term is 1-3 years.
3. Merchant's joint guarantee is also a loan method of unsecured loan. But the loan amount is not high. Merchant joint guarantee is a joint guarantee group composed of three individual industrial and commercial households or sole proprietorship owners with business licenses. They can apply for a loan from the bank without other guarantees. Generally speaking, each merchant can borrow 6,543,800 yuan (200,000 yuan in some areas), and the loan period is 654.38+ 0-3 years.