Although most corporate loans apply for loans directly through local banks, in special circumstances, such as not being able to apply for loans locally, they can choose loans from different places for financing.

Enterprises should meet these conditions when they want to borrow money: first, the time of establishment of enterprises should generally be more than three years; Second, the invoice amount of the enterprise in the past six months should be more than 6.5438+0.5 million yuan; Third, the financial situation of the enterprise should be good, and the main concern is the balance sheet, income statement and cash flow statement of the enterprise, and the other is to have a fixed business place. Not only apply for loans in local banks, but also loans in different places.

Capital is the guarantee for the survival and development of enterprises. In the process of enterprise management, sufficient capital can ensure the good development of enterprises. In order to solve the shortage of funds, enterprises usually raise funds through financing.

Corporate loans usually have the following loan methods:

1, loan guaranteed by natural person

In August, 2002, China Industrial and Commercial Bank took the lead in launching the secured loan business for natural persons. In the future, when domestic institutions of China Industrial and Commercial Bank handle the credit business of small and medium-sized enterprises with a term of less than 3 years, natural persons can provide property guarantee and bear the liability for compensation. Natural person guarantee can take three ways: mortgage, pledge of rights and mortgage plus guarantee. Property that can be mortgaged includes personal property, land use right and means of transportation. Personal property that can be pledged includes savings deposit certificates, voucher-type government bonds and registered financial bonds. Mortgage plus guarantee refers to the joint liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the principal and interest of the loan on schedule or commits other breach of contract, the bank will require the guarantor to fulfill the guarantee obligation.

2. Loans secured by intangible assets

According to the relevant provisions of the Guarantee Law of People's Republic of China (PRC), intangible assets such as trademark exclusive right, patent right and property right in copyright that can be transferred according to law can be used as loan collateral.

3, bill discount financing

Bill discount financing means that the holder transfers the commercial bill to the bank and obtains the funds after deducting the discount interest. In China, commercial paper mainly refers to bank acceptance bills and commercial acceptance bills. One advantage of this financing method is that banks do not lend money according to the asset size of enterprises, but according to market conditions (sales contracts). When an enterprise receives a bill, it usually takes as little as tens of days and as much as 300 days until the bill is cashed, during which time the funds are idle. If enterprises can make full use of bill discount financing, it is much simpler than applying for loans, and the financing cost is very low. Discounting bills can only be done in the bank with the corresponding bills, which can generally be completed within three working days. For enterprises, this is "using tomorrow's money to earn the money the day after tomorrow", which is worthy of extensive and active use by small and medium-sized enterprises.

4, credit guarantee loan guarantee company guarantee loan (borrow)

With the accumulation of private funds and the increasing difficulty of bank loans, obtaining loans through guarantee companies has become the main way for entrepreneurs and SMEs. At present, many credit guarantee institutions have been established in cities all over the country. The sources of guarantee funds for these institutions are generally mostly composed of local government financial allocations, social (non-governmental) raised funds and commercial bank funds. When an enterprise borrows money from a bank or the private sector, it can be guaranteed by a guarantee institution. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems.

In addition to the above ways, enterprises can also raise funds through these ways: buyer's loans, joint cooperation loans in different places, project development loans, export loans and other loan methods.