Many enterprises will encounter the problem of capital demand in their development. How to get money quickly and cheaply is very important for enterprises. At present, loans to enterprises in the market can generally be divided into two categories: mortgage loans and credit loans. Mortgage is easy to understand, and you can operate with collateral. Most of them are real estate mortgages.
Enterprise credit loans is an unsecured and unsecured loan issued by a bank to the legal representative or controlling shareholder of a small enterprise, which is used to supplement the working capital turnover of the enterprise and other legal purposes.
At present, it seems that weakening collateral and strengthening credit loans will become the main trend of SME loan development in the future, which will be a better financing method for SMEs with conditions and good credit.
Enterprise credit processing conditions
Time of enterprise establishment
Many banks and other financial institutions will check the establishment time of enterprises, which is also one of the basic thresholds for credit loans. Generally, there are six months, one year, two years and so on.
Annual sales/invoice amount
Because it is a credit mortgage, there is no collateral, so we attach great importance to the operating conditions of enterprises. Among them, sales can directly reflect whether the enterprise is actually operating and its future profitability.
Are there any liabilities and overdue?
The average applicant's personal loan for nearly three months shall not be overdue, and the corporate debt ratio shall not exceed 60-70%. According to the situation of the enterprise and the loan amount, there will be some fluctuations.
Enterprise credit characteristics
unsecured loan
Lending according to the credit of enterprises can solve the problem that enterprises cannot provide bank collateral, and to some extent, it can reduce the entry threshold.
Make an exclusive plan
According to the business model and capital flow of the enterprise, the loan scheme is formulated to help the enterprise obtain financial support quickly.
Less repayment pressure
According to the enterprise's capital flow, it can be repaid with the loan, reducing the interest and the pressure of paying off all loans in one lump sum when due.
Enterprise credit repayment mode
matching principal repayments
This is also the repayment method that many enterprises often choose when applying for corporate loans and personal loans. It is enough to return the fixed principal every month, but at the same time you have to pay the interest generated by the remaining principal. However, the interest that needs to be paid every month will decrease with the decrease of principal, which is the main feature of the repayment law of average capital.
One-time repayment of principal and interest
For those who need to use funds for a long time after the loan, there may be no extra funds to repay these loans in the early stage. This may also happen when enterprises apply for credit loans, so they will choose to repay the principal and interest in one lump sum, that is, when the loan term comes, they will return all the outstanding principal and interest.
Pay the principal first, then the interest.
If the enterprise needs to use this fund for a long time, it can consider paying interest first and then the principal when handling the loan, because if only interest is paid, the pressure of early repayment is not particularly great, but in the final repayment period, all the principal will be returned at one time, so that this fund can be fully utilized and used for a longer time. However, this repayment method may lead to an increase in the overall interest of the loan.
For small and medium-sized enterprises, enterprise credit is a relatively simple loan method. When you need capital turnover, you can know and master it in time and make use of it.
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Related questions and answers: What are the conditions and procedures for enterprises to borrow from banks? What are the procedures and conditions for enterprise loans? The requirements for corporate bank loans are as follows: application conditions for corporate loans: enterprises need to open a basic account with a certain settlement amount in the loan evaluation bank; The enterprise has been established for more than one year and has a legal and valid business license and a fixed business place; The borrowing enterprise and enterprise legal person have good credit; The enterprise continues to operate normally and has good income and repayment ability; The invoice amount in the last six months is not less than 6.5438+0.5 million, and the irradiation rate of the enterprise is not more than 60%; It is enough to provide collateral recognized by the bank as collateral (usually real estate as collateral). Enterprise loan procedures and processes If an enterprise meets the loan conditions, it can choose a loan application bank and then submit a loan application. The materials to be prepared include the basic information on the identity of the enterprise legal person or operator, the basic information of the enterprise, the information on the development of the enterprise and the explanation on the purpose of the loan. After receiving the loan application information, the bank will investigate and accept it. The main investigation direction is the credit status, operation status and loan use of enterprises and corporate. After the loan is approved, the bank will call the enterprise to reconfirm the loan amount, loan term and loan purpose. After confirmation, both parties sign a loan contract. After the loan is issued, the enterprise can repay the loan on schedule according to the time agreed in the contract. When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines; 4. Generally, regular products are strictly audited. Although they are easy to use, they are difficult to use, and so is the money spent. But I found the exclusive application channel required by the internal staff, and the payment rate is very high, so it is the most recommended product among the products. Since I have recommended it to everyone, I will present an exclusive application channel, and friends in need can apply for it themselves. Just remember to use flowers that day, otherwise the quota may be taken back, and friends have appeared before.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms. 360 IOUs, with a maximum loan of 200,000!
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Third, the "new loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days. The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months.
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The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!