There are many small and medium-sized enterprises in Liyang, Jiangsu Province, and they need a lot of money for their daily operation and production, so they will choose to borrow money. Enterprise loan is a kind of business loan, and there are many types to choose from. The following are some common types, which Liyang enterprises can look at if they need it.

1, credit loan

This kind of loan does not need mortgage guarantee, and can be applied based on the credit and operation of the enterprise. Enterprises in Liyang, Jiangsu Province need to provide legal and valid business licenses when applying for credit loans, and there are also requirements for the operation of enterprises. Generally, enterprises registered for more than one year can continue to operate and generate benefits.

It should be reminded that credit loans have extremely high requirements for credit reporting. An enterprise legal person or shareholder cannot have overdue records. Enterprises must pay taxes in good faith for two years. Micro-loans of Weizhong Bank are popular, so you can go and have a look.

2. Mortgage loan

If Liyang enterprises have good strength, such as factories and commercial houses with property rights under their names, they can borrow from banks or financial companies as collateral, and they can get up to 80% of the value of collateral, and the interest rate is relatively low.

Compared with credit loans, mortgage loans are less risky and easier to pass. At the same time, the loan will also examine the borrower's income and credit history, and only those who meet the conditions can succeed. Remember to repay the loan after handling this kind of loan, otherwise the collateral may not be recovered.

3. Guaranteed loan

Many small and medium-sized enterprises have average strength, no collateral, average credit and high loan risk. It is suggested that they can apply for a secured loan, that is, they can find a qualified person or guarantee institution to guarantee the enterprise, or they can get a loan.