1. To borrow money from a bank, it is mainly necessary to have legal enterprise legal person qualification, loan card certificate, good credit and sufficient collateral, and open a general account or basic deposit account in the bank, with frequent fund settlement and large capital flow; There is a credit rating according to the requirements of the loan bank, and the success rate of reaching Grade A or above is generally higher. Then put forward the credit demand to the bank, including loan amount, term, interest rate level and guarantee conditions (mainly divided into credit, mortgage pledge and third-party guarantee). The bank's loan officer or account manager will help you sort out the application materials and attend the bank's credit approval meeting. The waiting time for approval results is generally between 1-3 months. If the bank agrees to give you a loan, then the bank will handle the loan formalities for you. You must use the loan according to the relevant requirements of the approval, and repay the principal and interest on time according to the amount.
2. There is no necessary proportion requirement between current assets and fixed assets, but the asset-liability ratio is generally not too high, and different industries have different proportion requirements; In addition, the current ratio and quick ratio should generally not be lower than 1, and the inventory turnover rate and accounts receivable turnover rate should not be too low. There is no invoice for fixed assets, see how you get it. If it's illegal, it can't be done. First of all, it shows that your company's credit level is not good. What documents did you use to access the account?
3. It is necessary to provide the bank with major statements such as balance sheet, income statement and cash flow statement. Audited by certified public accountants of accounting firms. Generally, banks will not read the company's vouchers and accounts carefully, but accountants will ask them to read the audited statements carefully. Ok, I hope you can successfully apply for a bank loan by strengthening your own management and improving the credit level of your enterprise.
Second, what information does the company need for loan?
Company loan information: original and photocopy of business license; Official seal and corporate seal of the enterprise; Audit report, financial statement and tax payment certificate of the enterprise in the previous year; Details of legal person's ID card and shareholding structure; Loan application form, indicating the specific purpose; Account opening permit. Corporate loans refer to corporate loans. Enterprise loan is a way for enterprises to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Classified enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, foreign exchange loans, enterprise time deposit certificates loans, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, interest-bearing bills discounted by buyers or agreements, domestic factoring with recourse, and export tax rebate account custody loans. Credit loan A credit loan refers to a loan issued by a bank with the borrower's reputation, and the borrower does not need to provide a guarantee. According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans. 1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive). 2. Medium-term loan: refers to the loan with a loan term of 1 year (excluding) to 5 years (including). 3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years). Fixed assets fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects. According to the purpose of the loan, it is divided into capital construction loan and technical transformation loan: 1. Capital construction loans refer to medium and long-term loans approved by the competent authorities for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc. 2. Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.
3. What materials do enterprises need to apply for loans?
Spread out completely
The information required for enterprises to apply for bank loans is very complicated, as follows:
Business license, code certificate, tax registration certificate, company capital verification report, articles of association, enterprise ID card, enterprise loan card, accounting statements of the previous year, tax returns, tax payment vouchers, bank statements, accounts receivable, other accounts receivable, accounts payable, detailed list of other accounts payable and inventory list in the accounting statements of the previous year 1 month, etc. There are also other materials that banks need, such as invoices for loan collateral and proof of property rights.
4. What information do you need after nailing the enterprise certification loan?
Original and photocopy of the borrower's valid identity certificate. After the nailing enterprise is certified, the loan requires the borrower's valid identity document, which is set up by Ribaba Group.