How do small and medium-sized enterprises get unsecured loans? In most cases, enterprises generally choose to use mortgage loans to directly make large loans to meet their own development. However, large loans require the enterprise to have strong factory or hardware facilities as collateral and good operating conditions to ensure timely repayment. However, most small and medium-sized enterprises can't meet these conditions. So how do SMEs get unsecured loans? As a result, unsecured small loans for small and medium-sized enterprises have emerged. The general amount of unsecured loans for small and medium-sized enterprises is relatively low, which is enough to solve the problems existing in enterprises. Therefore, small and medium-sized unsecured loans can be made without any collateral, but they need a very important condition, that is, good credit. < /p > The application conditions for unsecured loans for small and medium-sized enterprises are as follows:

1 The enterprise has been established for at least three years;

2 The invoiced amount in the past six months is not less than 1.5 million;

3 It has a fixed business place; In good financial condition; < /p > and other relevant conditions required by some banks. With these things ready, you can apply for small loans for SMEs. < /p > The application materials are as follows:

1 Business license, organization code certificate, tax registration certificate, company profile or organization documents, etc.

2 The identity certificate of the legal representative of the enterprise, the identity cards or passports of the company's key personnel and shareholders who own more than 15% of the shares, etc.

3 Property ownership certificate or lease contract of business premises such as factory buildings, offices and warehouses;

4 financial statements of the enterprise in the last two years (balance sheet, income statement and cash flow statement), bank statements and financial certificates in the last six months (such as summary table of professional invoices for enterprise value-added tax, etc.);

5 loan certificate (card) issued by the People's Bank of China (not required if applying for business owner's credit loan); < /p > and other information required by the bank. < /p > With these small and medium-sized enterprises to apply for loans, the applicant enterprises need to provide the business license, tax registration certificate, organization code certificate, loan card, financial statements and other materials that have passed the annual inspection;

2 Credit review and loan review of lending institutions;

3 The loan enterprise and the lending institution sign a contract;

4 Lending institutions issue loans.