Whether self-employed or small and medium-sized enterprises, they often encounter the problem of capital shortage in their daily operations. Once they lack liquidity, not only will their business be affected, but they will not be able to grow and develop. There are some working capital loans on the market now. Let's see what conditions are needed to apply for this product. Taizhou, Jiangsu is an economically developed city. There are many small and micro enterprises here, and some banks have obtained working capital loans. Take Taizhou as an example, briefly introduce the application conditions, and the specific requirements shall be subject to the bank: 1. Working capital loans are only applicable to enterprises with formal qualifications, enterprises with independent legal personality, other economic organizations and individual industrial and commercial households that must be approved and registered by the administrative department for industry and commerce (or competent authorities). 2, enterprises must abide by the relevant provisions of the state and the bank loan system, production and operation within the scope of national policies. 3. The enterprise should establish a good management system, provide the financial report of the previous year, and the asset-liability ratio meets the requirements of the bank. 4. There must be a fixed place for production and business operation, and the bank will arrange field visits for credit personnel. The market demand of enterprise products is good, and it has the potential for future development. Do not misappropriate credit funds and operate in good faith. 5. The agency of Taizhou handling bank has opened a basic deposit account or general deposit account. Usually have business dealings with the bank, it is best to have a certificate of deposit under the name, investment and financial management. The operation is normal, the funds are running well, and it has the ability to repay the loan principal and interest on schedule. 6. The annual inspection procedures shall be handled by the industrial and commercial departments. 7. For other conditions stipulated by the local bank, please consult the staff.