Enterprises can borrow money from banks according to the following steps:

1. Submit a loan application to the bank and complete loan information;

2. Banks accept loans and approve loans;

3. After approval, both parties sign a loan contract, guarantee the original contract and go through the mortgage formalities;

4. After all the procedures are completed, the bank will issue loans;

5. The borrowing enterprise shall repay the loan in full and on time as stipulated in the contract.

Extended data:

Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation.

Enterprise loan conditions:

1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;

2. The enterprise has a good reputation in various commercial banks and has no bad credit record;

3. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection;

4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;

5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;

6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;

7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;

8, in line with the establishment of small business related industry credit policy;

9. Abide by national financial regulations and policies and relevant bank regulations;

10. Open a basic settlement account or a general settlement account with the applicant bank.

My wood processing factory is a small and micro individual enterprise. Why can't I apply for a loan in Wechat business?

Hello, there are many platforms for borrowing money online at present. I suggest you pay attention to two factors when choosing. First, choose a trustworthy brand; Second, we should pay attention to the clear and transparent service details of loan products, such as loan amount, loan interest rate, repayment time and repayment method. Only by choosing reliable loan products can you meet your urgent need for money and ensure that your personal interests are not infringed.

Loans with money to spend are safe, reliable and trustworthy. "Qianhua" is a credit service brand owned by Du Xiaoman Finance (original name: Baidu Qianhua, renamed as "Qianhua" in June 2065438+08)? The maximum click amount is 200,000 yuan. Big brands are reliable and low interest rates are trustworthy. Money is easy to borrow and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security. Youyouhua provides personal and small and micro enterprise credit services for the public, creates an innovative credit model, inherits Baidu's technical genes, and uses artificial intelligence and big data risk control technology to bring convenient, fast and safe Internet credit services to users.

Let me share with you the application conditions for consumer products with money: the application conditions with money are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000. ?

How to solve the financial crisis in the case of insufficient funds for wood processing plants?

First of all, what is the specific situation of this "financial crisis"?

1。 Market problem: insufficient orders and insufficient income, which is determined by the economic situation. We can only tighten our belts to deal with this situation.

2。 Management problems: the market is ok, but there are problems with its own management, insufficient production capacity and insufficient liquidity. This can only recover the payment immediately, on the one hand, stall the supplier, and then start the bank working capital loan (now the bank has factoring service, which can provide unsecured working capital loan for three months)

3。 Repayment: If you have no money to repay, you can postpone the mortgage loan with the bank. If it is factoring, it can't be postponed, and it can only cross the bridge through the guarantee company. There is no mortgage loan, but this cost is relatively high. After the old loan is replaced, we can borrow new loans to maintain it.

4。 Everything is basically that the company can make a profit. If it can't be profitable or can't be maintained, it will certainly shrink. Can it whitewash Gao Fushuai?

How to manage the factory mortgage loan process?

Processing flow of factory mortgage loan: 1. The borrower applies to the loan bank for a mortgage loan. 2. The loan bank shall examine and approve the loan application. 3. The borrower handles the guarantee procedures and mortgages the collateral to the loan bank. 4. Sign a loan contract. 5. The loan bank issues loan funds to the borrower's account. Article 400 of the Civil Code establishes mortgage, and the parties shall conclude a mortgage contract in writing. A mortgage contract generally includes the following clauses: (1) the type and amount of secured creditor's rights; (2) The time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) the scope of the guarantee.