What are there in enterprise credit loans? At present, there are mainly commercial banks, private lending companies and online lending platforms in enterprise credit loans. Let me introduce the characteristics of these three channels to you.
commercial bank
Commercial banks are generally the most important credit loan channel for enterprises, with the characteristics of large loan amount, long service life and low loan interest. However, commercial banks often have a long time to approve loans and complicated procedures. In the case of urgent need for money, this channel is basically unworkable.
Private loan company
Private loan companies are the credit loan channels that many SMEs will choose, and the approval process is much simpler than that of banks. Private loan companies tend to have higher loan interest rates and shorter loan periods. In addition, some private loan companies still have violent collection.
Online loan platform
Recently, the online lending platform is very popular. Generally speaking, online lending platforms have the characteristics of low application threshold, simple review process and fast payment.
What is a corporate loan?
Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
The application conditions are in line with the national industry and industrial policies and do not belong to small enterprises with high pollution and high energy consumption; The enterprise has a good reputation in various commercial banks and has no bad credit record; Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection; It has the necessary organizational structure, business management system and financial management system, a fixed foundation and business premises, legal operation, and products with market and benefits;
Having the ability to perform contracts and repay debts, having a good willingness to repay, and having no bad credit record, and the credit asset risk is classified as normal or non-financial factors; The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
The business operation of the enterprise is steady, the establishment period is in principle more than 2 years (inclusive), and there is at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years; Abide by the industrial credit policies related to small businesses; Abide by national financial regulations and policies and relevant bank regulations; Open a basic settlement account or a general settlement account with the applicant bank.
Fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects.
According to the purpose of the loan, it is divided into capital construction loans and technical transformation loans:
Capital construction loan: refers to the medium and long-term loan approved by the competent department for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc.
Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.
Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration.
Term of enterprise loan: generally 1-2 years.
Enterprise loan amount: 6,543,800+10,000 ~ 500,000 yuan.
What does enterprise credit loans need?
Enterprise marketing license, tax registration certificate, organization code certificate, recent capital verification report, value-added tax or income tax payment certificate for the last six months, financial statements for the last year, and bank reconciliation of the enterprise for the last six months.
Identity cards or passports of major members of the enterprise and shareholders who hold more than 0/5% of the shares of the enterprise.
Not all enterprises are eligible for credit loans. First of all, the credit rating of corporate customers must be high enough, and there must be no bad behaviors that are often overdue, and they must be approved by relevant institutions to qualify for credit loans; Secondly, there are requirements for the operating status of enterprises, such as enterprises that often lose money. They must continue to increase profits in the past three years, control the debt ratio of enterprises within an appropriate range of good values, and have more liquidity, which is sufficient and stable; In addition, relevant materials are also essential, such as annual statements in several years, statements in the last month, invoices in half a year, etc. In addition, the management of the enterprise must be standardized and effective enough, and there is no overdue bad credit record.
What information does enterprise credit loans need to provide? In fact, corporate loans, like personal loans, need to provide certain information. If this information is true and valid, it will definitely help to apply for a loan. If you cheat for the success of the loan, the consequences will be more serious. First of all, business license, organization code certificate, account opening permit and tax registration certificate are essential; Also, proof of assets under the name of the enterprise is also necessary; In addition, various forms of taxation are also indispensable. If there is a signed purchase and sale contract, it is best to provide it. After reading the above related introduction, you should have a certain understanding of what the conditions are in enterprise credit loans and what information you need to provide. Generally speaking, not all enterprises are qualified for credit loans. First of all, the credit rating of corporate customers must be high enough, and there must be no bad behaviors that are often overdue, and they are qualified for credit loans after approval by relevant institutions; Secondly, there are requirements for the operating status of enterprises, such as enterprises that often lose money. In fact, corporate loans, like personal loans, need to provide certain information. If this information is true and valid, it will definitely help to apply for a loan. If you cheat for the success of the loan, the consequences will be more serious.
To apply for enterprise credit loans, we must first prepare the business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report, annual report for the last three years, tax records for the last two years, financial statements for the last three months, corporate bills for the last six months, and other materials such as planning garden lease contract, housing payment basis, and water and electricity charges for the last three months. Then take the information to the bank counter and fill out the application form, and then hand it over to the salesman together with the information. After the bank accepts it, it will start the audit. If the approval goes through the process, beggars will be informed to sign loan contracts at outlets. After the beggar signs the contract at the outlet within the agreed time, the bank will lend money and transfer the loan funds to the account opened by the beggar in the bank.