In order to ensure the safety of their own funds and reduce bad debts, banks have put forward strict requirements for enterprises to apply for loans. First, they must have corresponding mortgages, such as land and houses under the company's name; second, It is necessary to ensure that the company's internal loan decision-making process is compliant, that is, the resolution documents of the shareholders' meeting; third, there must be a guarantor. If there is no shareholder signature, there is no way to successfully apply for a loan at this time, and the bank will not lend.

The materials required for corporate loans are: According to the "General Rules for Loans", loan companies must have original and duplicate business licenses, organization code certificates and tax registration certificates. In addition, enterprises also need to prepare the following materials:

1. Account opening license;

2. Loan card and capital verification report (loan cards can be obtained at banks);

3. Required annual reports and statements.

Enterprise loan application procedures:

1. Submit a loan application, fill in the application form and prepare materials in accordance with regulations;

2. Submit the "Application for Establishing Credit Relationship" 》, apply to establish a credit relationship;

3. The bank reviews the information and confirms whether the enterprise has the corresponding qualifications;

4. After approval, the borrower and the guarantor need to comply with the bank’s requirements. Sign the corresponding loan contract and guarantee contract;

5. After the completion of the process, the bank will handle the loan procedures in accordance with legal procedures;

6. Finally, the bank will apply for the loan, credited to the borrower's account.

Conditions for enterprise loans:

1. Comply with national industry and industry policies and not be classified as high-pollution, high-energy-consuming small businesses;

2. The credit status is good, there is no bad credit record, the business operator or actual controller has more than 3 years of working experience, the quality is good, and there is no bad personal credit record;

3. Approval and registration by the industrial and commercial administration department, and A business license that has passed the annual inspection; has the ability to perform the contract and repay debts, has a good willingness to repay, has no bad credit record, and the credit asset risk is classified as normal or concern category affected by non-financial factors;

4. The business operation situation of the enterprise is stable, the establishment period is in principle more than 2 years (inclusive), there is at least one or more fiscal year financial reports, and the sales revenue has increased and the gross profit has been positive for 2 consecutive years.