Fill in the application form, then you need to prepare materials, find an on-the-job employee who is willing to guarantee your financial expenses, and submit all materials to the microfinance office of the Finance Bureau. After reviewing the materials, the guarantor may be required to issue a salary certificate and a personal signature guarantee certificate. Finally, all procedures are complete, waiting for the loan bank to come to the door for review. The whole process takes about one month to complete the loan.