How much can a small and micro enterprise loan generally be?

In the course of business operations, enterprises often face difficulties due to problems of one kind or another. For a developing enterprise, difficulties are like a vehicle traveling at high speed suddenly running out of gasoline. Without new capital injection, it is likely to face bankruptcy. In order to solve the funding problem, many companies choose bank loans. Then the question arises, how much can companies generally borrow?

The loan amount of an enterprise is often determined according to the conditions of the enterprise itself, and the loan amount that different enterprises can obtain is very different. Generally speaking, the maximum corporate loan limit will not exceed 3 million. The specific amount depends on the current conditions of the company.

1. First of all, the bank will determine the assets of the enterprise. The fixed assets, current assets, intangible assets, etc. owned by the enterprise will be included in the evaluation by the bank. The higher the value of the assets owned by the company, the higher the bank's evaluation score, and the larger the loan amount it can obtain.

2. The company’s operating capabilities, industry level, and development prospects will be another important factor that affects the loan amount. If the company's current operating capabilities are excellent and it is in the rising stage of development, and the purpose of obtaining a loan is to adapt to market demand and expand its business scale, and the industry in which the company is located has good development prospects and the industry average level is high, then the company can obtain The loan amount will be higher than that of ordinary enterprises. On the contrary, if it is a traditional industry, a high-pollution, high-energy-consuming industry, it may not be possible to obtain high-value loans.

3. The bank will comprehensively consider the current liability situation of the company. Banks can check the current liabilities of companies applying for loans through the central bank system. If the company itself has incurred huge loans, the bank will evaluate whether the borrower still has the ability to repay. If the repayment ability is weak, the bank will refuse the loan.

4. The bank’s past credit record is also an important factor affecting the amount of bank loans. The credit record of the enterprise will be registered in the information database of the Credit Reference Center of the Central People's Bank of China. Before issuing a loan, the bank will check the credit record of the enterprise. Enterprises with credit stains will have a small loan limit, or the loan will be rejected by the bank.

In order to avoid bad debts, banks often have strict requirements when applying for corporate loans. Both the required information and procedures are more complicated than those for individuals. In fact, borrowers can also try online loans. Online loans have the characteristics of simple procedures and fast disbursement, making them the first choice for people who are in urgent need of money. However, no matter what kind of loan it is, borrowers must comprehensively evaluate their borrowing ability. When obtaining a loan, they must fully consider their repayment ability, so that it is not difficult to borrow and repay.

How much can a business loan generally be?

Bank of China has many types of loans, and the amounts of different types of loans will be different. If you need to know more about the loan limit, you can consult the company's account opening bank.

The above content is for your reference, please refer to actual business regulations.

How much can you borrow with an interest-free corporate loan to buy a house?

Different lending institutions and the types of corporate loans applied for by applicants are different, and the loan amounts that can be obtained are also different. Generally speaking, if the borrowing company is applying for a credit loan, it can get a loan of about 500,000 yuan. If the loan company applies for a mortgage loan, the loan can be about 3 million yuan. The specific amount is determined by the lending institution based on the credit status of the borrowing enterprise.

What is the maximum amount of small business loans that Postal Savings Bank of China can lend

Individual industrial and commercial households or sole proprietorships with business licenses only need to have one or two (the number of people depends on their (depending on the loan amount) people with a fixed job and stable income can act as loan guarantors and apply for a loan from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 100,000 yuan (200,000 yuan in some areas).

1. Application conditions:

1. Be a resident of mainland China who is over 18 years old;

2. Have a stable address and work or business location;

3. Have a stable source of income;

4. No bad credit record, and the loan cannot be used for stock trading, gambling, etc.

5. Other conditions required by the bank.

2. Process:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for a loan;

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3. Interview with a bank or lending institution;

4. The bank reviews the lender’s qualifications;

5. Pass the review and successfully lend.

Extended information:

For merchants, the loan grace period is up to 4 months; for farmers, the loan grace period is up to 10 months. The provincial branch should be based on the agricultural production cycle. or circumstances, reasonably determine the maximum grace period for local loans within the maximum grace period.

The credit period for small businesses is up to 5 years, and you can apply for a single loan under the quota within the validity period of the quota. The maximum term of a single working capital loan shall not exceed 18 months, and the maximum term of a single fixed asset loan shall not exceed 3 years.

The bank will review the written loan application, purchase and sale contract, and relevant financial statements submitted by the applicant, review and authenticate the loan guarantee or loan collateral information submitted by the applicant, and conduct a pre-loan on-site investigation. A decision is then made whether to approve the loan.