Small and medium-sized enterprise loans refer to loans issued by banks to the legal representatives or controlling shareholders of small enterprises (social natural persons, hereinafter referred to as borrowers) to supplement the working capital of enterprises, purchase raw materials and other purposes designated by law. So what is the process for SMEs to handle related loans, what are the application materials and what details should be paid attention to? Here is a brief introduction for you:

The loan process for SMEs is as follows:

1. The enterprise applies for a working capital loan from the bank and provides relevant materials of the enterprise and the guarantor (if necessary).

2. Sign loan contracts and related guarantee contracts. After the enterprise's loan application is approved by the bank, the bank and the enterprise need to sign all relevant legal documents.

3. Implement the guarantee according to the agreed conditions and improve the guarantee procedures. If the enterprise is required to provide guarantee according to the bank's approval conditions and the signed guarantee contract, it is necessary to further implement specific guarantee measures such as third-party guarantee, mortgage and pledge, and complete relevant guarantee procedures such as mortgage registration and pledge delivery (or registration). If you need notarization, you also need to perform notarization procedures.

4. Issue loans. After all the formalities are completed, the bank will issue loans to the enterprise in time, and the enterprise can reasonably control the loan funds according to the loan purpose agreed in advance.

Materials to be prepared for SME loans:

The materials required for the application include: business license, tax registration certificate, business flow in the last three months, personal bank flow, office space lease contract or property ownership certificate, special business license, etc. , reflecting the operation of the enterprise; Joint-stock enterprises also need to provide a resolution that more than 2/3 shareholders agree to the loan. In addition, the legal representative also needs to provide his identity card, proof of address and proof of residence in the last six months.

Matters needing attention in SME loans:

Small and medium-sized enterprises that need loans must meet the following conditions:

1. The main business place of the enterprise is in the local area;

2. The property right relationship of the enterprise must be clear;

3. The enterprise has no bad credit record;

4. The production and operation projects conform to the national industrial policies and laws and regulations;

5. Other conditions of the lending institution.