In the course of operation, enterprises will inevitably need capital turnover or procurement, so the shortage of funds is a problem that enterprises often encounter. Applying for loans from banks or other loan companies has become an effective way to alleviate the financial pressure, so how to apply or what guarantee methods are more concerned.

The loan process of a sole proprietorship enterprise:

1. When applying for a loan, a sole proprietorship enterprise shall apply to the agent bank of the host bank;

2. Need to fill in the loan application form;

3. When applying for a loan, a sole proprietorship enterprise needs to provide relevant assets certificates and other loan-related materials;

4. The certificate that the person who has the right to dispose agrees to mortgage and pledge and the relevant documents that the guarantor intends to agree to guarantee;

5 enterprise project proposal and feasibility report;

6. Other relevant information required by the bank.

Loan guarantee method for sole proprietorship enterprise:

1. Comprehensive credit: refers to the credit line granted by the bank to some enterprises with good operating conditions and reliable credit within a certain period, which can be recycled by enterprises within the validity period and scope of the credit line.

2. Bill discount means that the holder transfers the commercial bill to the bank and obtains the funds after deducting the discount interest.

3. Intellectual property pledge: refers to the financing method of applying for a loan from a bank after evaluating the legally owned patent rights, trademark rights and property rights in copyright.

4. Fixed assets loans: medium and long-term local and foreign currency loans issued by banks to enterprises, which are mainly used for capital construction, equipment purchase, technological transformation and corresponding supporting facilities related to investment in fixed assets projects.