1. Understand the company's situation and loan demand: First, enterprises need to understand their own operating conditions and loan demand, and determine the types and amount of loans to apply for.

2. Choosing the right lending institution: Enterprises can choose the right lending institution according to their own needs, and compare the interest rates, mortgage methods, quality evaluation and other factors of different institutions.

3. Submission of application materials: Enterprises need to submit application materials to lending institutions, such as company business license, tax registration certificate, organization code certificate, financial statements, etc.

4. Evaluation and review: The lending institution will evaluate the amount and duration of the loan application according to the financial level, credit record, tax grade, corporate debt, credit information and guarantee of the enterprise.

5. Signing an agreement: After the loan is approved, the enterprise needs to sign an agreement with the lending institution, which needs to include the loan amount, loan term, interest rate and other factors.

6. Loan: After signing the agreement, the lending institution will transfer the loan money to the bank account of the enterprise.

It should be noted that different lending institutions may have different loan amount and term, and different interest rates and guarantee methods. Therefore, when choosing a lending institution, enterprises need to make a choice according to their own situation, and carefully read the terms in the loan agreement to ensure that their own interests are fully guaranteed.