Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. So, how do enterprises borrow money from banks?

How do enterprises borrow money from banks?

1. Enterprises apply for working capital loans from banks, and provide relevant materials of enterprises and guarantors when necessary.

2. Sign loan contracts and related guarantee contracts. After the enterprise's loan application is approved by the bank, the bank and the enterprise need to sign all relevant legal documents.

3. Implement the guarantee according to the agreed conditions and improve the guarantee procedures. If the enterprise is required to provide guarantee according to the bank's approval conditions and the signed guarantee contract, it is necessary to further implement specific guarantee measures such as third-party guarantee, mortgage and pledge, and complete relevant guarantee procedures such as mortgage registration and pledge delivery (or registration). If you need notarization, you also need to perform notarization procedures.

4. Issue loans. After all the formalities are completed, the bank will issue loans to the enterprise in time, and the enterprise can reasonably control the loan funds according to the loan purpose agreed in advance.

What conditions do enterprises need to borrow from banks?

First and foremost, look at your company's operating conditions, that is, its financial strength. A good financial statement is very useful. You have to find a way to convince the bank that you are profitable at present and will be profitable in the future.

Secondly, we will also focus on the purpose and duration of the loan to see if the project you borrowed can be profitable, that is, the company's future profitability. To put it bluntly, it is to see whether the loan can be safely recovered after the specified time.

Third, it is necessary to have certain self-owned funds and collateral (to be evaluated by the evaluation company). If we can find a strong guarantor, the loan will be easy. These are just general requirements. The specific requirements of each bank are not very consistent. Need to make initial contact with the bank to see if it meets the requirements of bank loans after the bank credit rating.

What are the financing strategies for SMEs?

1, pursuing rationality in the amount of funds. For small and medium-sized enterprises, the purpose of financing is to directly guarantee the funds needed for production and operation. Insufficient funds will affect the development of production, while excess funds will also lead to the reduction and waste of funds. Due to the difficulty in financing small and medium-sized enterprises, operators are often prone to make the mistake of "more Han Xinbing, the more the better" when encountering a relatively relaxed financing environment. If the raised funds are used unreasonably or are not really needed, then good things will turn into bad things, and enterprises may bear a heavy debt burden, which will affect the subsequent financing ability and profitability.

2, the pursuit of efficiency in the use of funds. Small and medium-sized enterprises do not have as many choices as large enterprises in financing channels and methods, but this does not mean that they can only "be hungry for food". On the contrary, small and medium-sized enterprises, because of their weak ability to resist risks and difficulties in financing, should weigh each sum of funds well, comprehensively consider business needs and capital costs, financing risks, investment returns and many other factors, and must analyze the relationship between capital costs and investment returns in combination with the source and investment of funds to avoid making mistakes.

3. Pursuing the matching of capital structure. The use of funds by small and medium-sized enterprises determines the type and quantity of financing. According to the principle of structural matching, it is appropriate for small and medium-sized enterprises to raise funds for fixed assets and permanent current assets by medium and long-term financing; Due to seasonal, cyclical and random factors, it is appropriate to focus on short-term financing.

4. In terms of capital operation, we pay more attention to stock financing while pursuing incremental financing. Incremental financing refers to increasing the total amount of funds in quantity to meet the needs of production and operation; Stock financing refers to avoiding unreasonable use of funds and improving the use effect of unit funds by adjusting the structure and acceleration of capital occupation without increasing the total amount of funds, so as to meet the expanding production and operation needs of small and medium-sized enterprises.

How do enterprises borrow small loans?

1. To apply for a corporate loan, the following conditions must be met: 1. It conforms to the national industrial and industrial policies 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. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the 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. Abide by the policy of establishing industry credit related to small enterprises; 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.

2. The information that small and medium-sized enterprises need to provide when applying for loans is as follows: the name, contact number, mobile phone, fax, contact address, postal code, website address and email address of the specific manager, and the following materials: 1 Original and duplicate of business license; Enterprise name and business address (province, city and county) 2. Original and photocopy of organization code certificate; 3. Original and photocopy of tax certificate; 4. A copy of the account opening permit; 5. Copy of the loan card and password (or copy of the query result of the loan card); 6. A copy of the original ID card of the legal representative; Work experience (work experience and position) of the legal representative; 7. Legal person's employment certificate and legal person's resume; The power of attorney of the authorized agent and the original and photocopy of the agent's ID card; 8. Ownership structure (shareholder name, shareholder proportion), registered capital of the enterprise, time of establishment, net assets and total assets of the enterprise (ten thousand yuan); 9. A copy of the Articles of Association; Introduction of the company's business development (mainly explaining the business development mode, settlement mode and the competitiveness of products in technical quality); 10. Copy of capital verification report; The audited financial statements of the company in the last three years (including complete notes) and the financial statements in the last three months; 1 1. Property area, purchase value (ten thousand yuan) and location of the property (province, city and county); 12. The most important equipment name, the most important equipment quantity, the most important inventory name and the most important inventory quantity; 13. Accounts receivable (ten thousand yuan); 14. Total bank loans (ten thousand yuan) and other loans (ten thousand yuan); 15. Total loan amount (ten thousand yuan), project purpose and feasibility report; 16. Guarantees that can be provided (proof of ownership of residential mortgage, store mortgage, industrial plant, enterprise guarantee, inventory pledge, accounts receivable pledge, etc.). ); Counter-guarantee measures to be provided; Loan application; 18. The resolution of the shareholders' meeting or the resolution of the partners' meeting when the enterprise decides to apply for loan guarantee; 19. Original and photocopy of the production and operation license for special industries; 20. basic account Bank.

How to borrow a company mortgage loan?

Companies can mortgage loans.

The enterprise mortgage loan shall meet the following conditions:

1. Have business license, tax registration certificate, code certificate, etc. ;

2. Have a loan card issued by the People's Bank of China, and have no bad credit record;

3. The company has been registered and operated for more than one year, and its annual turnover in the latest year is more than three times the loan amount.

The characteristics of enterprise mortgage loan are:

1. The business premises used for mortgage must be a loan owned by the borrower, located in a bustling business district, and used for external rental, and the rent collected is paid as the repayment source;

2. The loan can be used for legal and compliant capital requirements within the company's business scope, including but not limited to bond swap funds and funds exceeding the prescribed proportion of project capital;

3. The value of mortgaged property must be evaluated by a real estate appraisal company with the qualification of real estate appraisal institutions above Grade II in the Measures for the Administration of Real Estate Appraisal Institutions promulgated by the Ministry of Construction.

① The borrower applies and submits relevant materials;

② Real estate appraisal, pre-loan investigation and approval;

(3) After approval, go through the mortgage registration formalities;

(4) When granting loans, the borrower shall repay the loan principal and interest on a regular basis as agreed in the contract;

5. Settle the loan principal and interest, and handle the mortgage cancellation procedures of the mortgaged house.

According to Article 209 of the Civil Code: "The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. The ownership of natural resources owned by the state according to law may not be registered. " Therefore, the company set a mortgage on the property, which was established at the time of registration.

How does the company borrow money?

After meeting the loan conditions proposed by the bank, you can go to the bank to apply for corporate loans. The borrower needs to explain the loan demand to the staff at the business outlets, and the staff will find a credit manager to connect with the borrower to discuss the specific loan process, loan amount, loan variety, loan interest rate and loan term.

Enterprise loan application conditions:

1. conforms to the definition standard of small and medium-sized enterprises in the credit policy of the lending bank.

2. Continuous operation 1 year.

3. Strong repayment willingness and repayment ability, no bad credit record and no lawsuit.

4. Open a basic settlement account or a general settlement account in a loan bank, and have a stable sales return or promise to collect sales income from the loan bank.

5. Meet other requirements of the lending bank.

If the loan is used for a project, in addition to providing basic information, production, operation and financial information, the loan enterprise shall also provide the following project information:

1, for projects invested by the government, provide approval documents for the approval of the competent authorities; For projects requiring government approval, provide the approval documents of the competent department; If it is necessary to provide a feasibility study report, provide a feasibility study report and approval documents issued by a qualified institution; For investment projects that need to be approved by the competent authorities, the approval documents of the competent authorities shall be provided.

2. Guarantee related materials and other materials.

How to borrow a company loan?

1. Choose a good enterprise loan type.

Pure credit: tax loan and invoice loan.

Mortgage loan: operating mortgage loan

2. Look at your own business situation.

Establishment time: the minimum establishment time for corporate loans of general banks is over 1 year, and generally it is between 1-3 years;

Company size: Many products will set different quotas according to different scales and industry support policies, and some enterprises can enjoy preferential policies such as discount, quota increase, etc., such as enterprises that recruit disabled people, accept veterans' employment, or enterprises that meet other standards;

Business data: generally, the business process, tax payment data and invoice data of the enterprise are used as the reference for credit granting. The better the data, the higher the credit line;

Bad record: whether the enterprise has execution record or judicial record (defendant), if so, it is likely to be refused a loan, and high-interest products are more tolerant of this qualification;

Industry: whether it belongs to forbidden industries (such as three highs and one limit, finance, entertainment, teaching and training, etc.). ), different banking products have different restrictions on the industry, so you can read the detailed product introduction before applying to avoid wasting credit information;

Location: Many bank products have geographical restrictions. You can read the detailed product introduction before applying to avoid wasting credit information.

3. Conditions of opinion person/shareholder.

Age of legal person: For corporate loan products of general banks, the applicant is required to be a corporate legal person or a shareholder with more shares, and must be 18 years of age or older. In fact, most banks require them to be over 20 years old;

Legal person's credit investigation: Credit investigation is the key investigation, and it is best to have no overdue records, frequent inquiry records and white households. Products with high interest rates in the market have relatively loose requirements for credit reporting. The bottom line is that a large amount of money cannot be overdue for more than three times in a row, no more than three times in one month, no more than five times in two months and no more than eight times in three months.

Mortgaged property right: If the husband and wife jointly own real estate, they need to check the spouse's credit information when handling mortgage loans. Some products will relax access requirements, and assets under shareholders' names can also be mortgaged;

4. Determine the products and application methods.

At present, there are two ways: offline application and online application. The advantage of online application is that it does not need paper documents, but can be operated on a computer or mobile phone according to the process guidance, which is convenient for application and has many choices. If you have questions about your qualifications, you can communicate in time.

How to make enterprise loans

Enterprises that want to borrow money can handle it through banks or other financial institutions. The specific loan methods are as follows:

1. Confirm the required loan amount before submitting a loan application to a bank or other financial institution;

2. It is necessary to prepare basic enterprise information, financial statements and loan information required by banks or other financial institutions, and then submit them to banks/institutions for review;

3. If approved, a loan contract can be signed, and repayment can be made according to the contract after the next payment.

Basic information of the company

1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.

2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.

3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.

4, nearly six months of tax bills, signed the purchase and sale contract (if any)

5. Proof of assets under the enterprise name

personal data

1, ID card of borrower and spouse

2. Identity cards of property owners and spouses

3. Household registration books of the borrower and the property owner.

4. Marriage certificate between the borrower and the property owner

5. Proof of personal assets, such as real estate, cars, stocks and bonds.

6. Personal bank flow in the past six months or a year.

Extended data:

Enterprise loan application conditions

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 passing the 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.