Take Pizhou as an example. There are many local small and micro enterprises and individual industrial and commercial households doing business. If the funds are cut off, you can try to apply for corporate loans and mortgage loans from banks, financial institutions and loan companies. As long as it meets the requirements and there are enough collateral or pledge in the name, you can get good loan funds.
First, the application threshold.
1, enterprise qualification
Bank loan audit mainly depends on the company's prospects, corporate income, operating conditions, credit information, etc. If there is only insufficient funds, but the enterprise is operating normally and has stable and continuous income, then there is a chance to apply for a loan successfully.
2. The purpose of the loan
The funds applied for can only be used for the normal operation and turnover of the company, and shall not be used for real estate speculation, stock speculation, lending, etc. Once the bank finds that the use is not standardized, it will be required to immediately settle the arrears, and if the circumstances are serious, it will be investigated for legal responsibility.
3. Corporate debt ratio.
Banks will check the debt ratio of enterprises through various channels, and must not be too high. As long as the corporate debt ratio is below 70%, there is still a chance for loans. If the current debt is too high, it is likely to be rejected.
Second, the loan process
1. You can first submit a loan application in the bank official website and upload relevant information. After the bank accepts it, a credit manager will contact you and make an appointment to go to the bank for business.
2. It is best to consult the required application materials in advance and make complete preparations at one time so as not to delay time.
3. After submitting the loan application, you can wait for the bank to review it.