At present, the most important loan method in the banking industry may still rely on the mortgage of fixed assets, and many catering enterprises may not have too expensive fixed assets. Most of the business premises may not be owned properties, but leased properties, and even the lease period may be relatively short. As for some fixed assets such as catering equipment, decoration, tables and chairs, there may not be much realized value. Generally speaking, banks may not give high-value evaluation to related assets. Therefore, from the perspective of fixed assets, it may be difficult to obtain a high loan amount under normal circumstances.
Then the more likely way may be credit loans, but banks may also carefully evaluate operating cash flow, profits, risks and so on. Ordinary small and medium-sized catering enterprises may not have high credit rating and may face great business risks at any time, so the credit loan amount that can really be obtained from banks may not be very high. Of course, some banks may require enterprise legal persons to provide relevant loan guarantees, so this enterprise legal person will bear it. In short, the fixed assets of enterprises in the catering industry may be relatively limited. Even if there are certain fixed assets, most of them do not necessarily have much cash value, so the loan amount that can really be obtained from the bank by mortgaging fixed assets may be relatively small. As for the way of credit loans, it may be necessary to examine the overall operating conditions of enterprises, and may even require enterprise legal persons to provide relevant loan guarantees. Of course, some banks may also have some specific financial products for the catering industry, and there may be some innovative lending methods, such as POS loans, which may need to be learned from different banks.