, but the following conditions need to be met:
It has the qualification of enterprise legal person, loan card certificate, good credit and sufficient collateral, and has opened a general account or basic deposit account in the Bank, with frequent fund settlement and large capital flow; There is a credit rating according to the requirements of the loan bank, and the success rate of reaching Grade A or above is generally higher. Then put forward the credit demand to the bank, including loan amount, term, interest rate level and guarantee conditions (mainly divided into credit, mortgage pledge and third-party guarantee). The bank's loan officer or account manager will help sort out the application materials and attend the bank's credit approval meeting. Generally, the waiting time for approval results is between 1-3 months. If the bank agrees to the loan, the bank shall go through the loan formalities, and the loan applicant must use the loan in accordance with the relevant requirements approved, and repay the principal and interest on time according to the amount.
There is no necessary proportion requirement between current assets and fixed assets, but the asset-liability ratio is generally not too high, and different industries have different proportion requirements; In addition, the current ratio and quick ratio should generally not be lower than "1", and the turnover rate of inventory and accounts receivable should not be too low.
It is necessary to provide the bank with major statements such as balance sheet, income statement and cash flow statement audited by certified public accountants of accounting firms. Banks generally don't read the company's vouchers and accounts carefully, but accountants will ask them to read the audited statements carefully.