I. Conditions:
1, with abundant cash flow.
2. Small and micro business owners have good credit.
This enterprise has been very successful for more than two years.
4. Be able to provide effective financial proof.
5. Small and micro business owners are willing to repay and have the ability to repay in full and on time.
6. Other conditions required by the bank.
Two, according to the loan period: 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).
Extended data:
Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans and so on.
First, the process of small and micro enterprises applying for credit loans:
1. application
① Credit application and resolution of the board of directors of the enterprise (as required by the articles of association)
(2) the specific purpose of enterprise loans and the direction of capital use (plan and total amount of funds).
③ Analyze repayment plans and measures, and analyze the cash flow of repayment funds every month.
(4) Mortgage situation, other relevant legal documents and letters, etc.
Step 2 review
(1) project
② Credit evaluation
③ Feasibility analysis
④ Comprehensive judgment
⑤ Pre-loan review
3. After reviewing the loan application, the contracting bank considers that all of them meet the requirements and agree to the loan, and shall sign a loan contract with the lender.
4. Lending
After the signing of this contract, both parties shall verify the loan as agreed in the contract. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party fills in the withdrawal voucher uniformly formulated by the bank, and then goes through the withdrawal procedures at the bank.