Small business loan application conditions:
1. conforms to the national industry and industrial policies, and does not belong to small enterprises with high pollution and high energy consumption;
2. The enterprise has a good reputation in various commercial banks and no bad credit record;
3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection;
4. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the products have market and benefits;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are 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;
8. Abide by the policy of establishing industry credit related to small enterprises;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.
Loan application materials:
1. Original and copy of business license; Enterprise name and business address (province, city and county);
2. Original and photocopy of organization code certificate;
3. Original and photocopy of tax certificate;
4. A copy of the account opening permit;
5. Copy of the loan card and password (or copy of the query result of the loan card);
6. A copy of the original ID card of the legal representative; Work experience (work experience and position) of the legal representative;
7. Legal person's employment certificate and legal person's resume; The power of attorney of the authorized agent and the original and photocopy of the agent's ID card;
8. Ownership structure (shareholder name, shareholder proportion), registered capital of the enterprise, time of establishment, net assets and total assets of the enterprise (ten thousand yuan);
9. A copy of the Articles of Association; Introduction of the company's business development (mainly explaining the business development mode, settlement mode and the competitiveness of products in technical quality);
10. Copy of capital verification report; The audited financial statements of the company in the last three years (including complete notes) and the financial statements in the last three months;
1 1. Property area, purchase value (ten thousand yuan) and location of the property (province, city and county);
12. The most important equipment name, the most important equipment quantity, the most important inventory name and the most important inventory quantity;
13. Accounts receivable (ten thousand yuan);
14. Total bank loans (ten thousand yuan) and other loans (ten thousand yuan);
15. Total loan amount (ten thousand yuan), project purpose and feasibility report;
16. Guarantees that can be provided (proof of ownership of residential mortgage, store mortgage, industrial plant, enterprise guarantee, inventory pledge, accounts receivable pledge, etc.). ); Counter-guarantee measures to be provided;
Loan application;
18. The resolution of the shareholders' meeting or the resolution of the partners' meeting when the enterprise decides to apply for loan guarantee;
19. Original and photocopy of the production and operation license for special industries;
20. basic account Bank.
Standards for small businesses:
The standard of small enterprises is generally that the number of employees is below 500 or the annual sales of enterprises is below 654.38+million yuan;
The standard for dealing with small enterprises is that the number of employees is less than 300 or the annual sales of enterprises is less than 30 million yuan or the total assets of enterprises are less than 40 million yuan;
The standard of small wholesale enterprises in small circulation enterprises is that the number of employees is below 100 or the annual sales of enterprises is below 30 million yuan;
The standard of retail small enterprises is that the number of employees is below 100 or the annual sales of enterprises is below100000 yuan;
The standard of small transport enterprises is that the number of employees is less than 500 or the annual sales of enterprises is less than 30 million yuan;
The standard of small storage enterprises is that the number of employees is below 100 or the annual sales of enterprises is below1000 yuan.
As long as one of the above-mentioned standards of the number of employees or annual sales (total assets of the enterprise) is reached, it can be identified as a small enterprise.
What are the conditions for banks to make small loans?
1. The borrower shall apply to the bank outlets offering small loans. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license;
2. After receiving the lender's application, the bank will review the lender;
3. Sign a loan contract with the bank through the examination and approval of the bank;
4. The bank lent money, and the lender successfully got the loan.
The above four steps are the general process of bank microfinance. Different banks may have slightly different provisions on microfinance, and the materials to be submitted are also different. In order to avoid loan risks, some banks will require lenders to meet certain conditions, such as age, income level and repayment ability.
Extended data:
Characteristics of microfinance:
1, the procedure is simple, the lending process is fast and the procedure is simple. Small loan companies have simple loan procedures, and loans are managed according to the processes of customer application, investigation, mortgage verification, guarantee, loan Committee approval, loan contract signing, loan issuance and loan principal and interest recovery.
Generally, it is completed within 7 days from the date of loan acceptance, which is more convenient and faster than bank loans, and the interest is much lower than private lending.
2. The repayment method is flexible. A variety of flexible repayment and interest payment methods, such as equal monthly repayment and interest payment, quarterly interest settlement due, one-time repayment and interest payment or two-time repayment and interest payment, etc.
3. The loan scope is wide. Small loan companies mainly serve small and medium-sized enterprises, individual businesses and farmers.
4. Flexible marketing methods. Small loan companies carry out risk-controlled marketing without rating and credit, which breaks the long-term operation mode of formal financial institutions such as commercial banks and has the characteristics of simple, efficient and fast way.
It is beneficial for small and medium-sized enterprises to obtain credit support in time, alleviate the short-term financing difficulties of small and medium-sized enterprises and individual industrial and commercial households, and make up for the shortage between bank loans and private lending to some extent.
5. Microfinance companies have high loan quality. The loan quality of microfinance companies is high, because almost all the funds lent by microfinance companies are shareholders' own funds, so the audit of loan projects is more cautious; Because microfinance companies are privately operated and mainly lend money locally, they can fully understand borrowers and their uses, which is conducive to risk control.
6. Small loans have little social risk. Microfinance companies do not illegally raise funds, usury or accept loans from social idlers. Its fund-raising, lending, and loan collection all have their own execution methods, and only loans are not saved, and public deposits are not involved, so the social risk is small.
What are the conditions for small and micro enterprise loans?
I. Conditions:
1, with abundant cash flow.
2. Small and micro business owners have good credit.
This enterprise has been very successful for more than two years.
4. Be able to provide effective financial proof.
5. Small and micro business owners are willing to repay and have the ability to repay in full and on time.
6. Other conditions required by the bank.
Two, according to the loan period: short-term loans, medium-term loans and long-term loans.
1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive).
2. Medium-term loan: refers to the loan with a loan term of 1 year (excluding) to 5 years (including).
3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).
Extended data:
Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans and so on.
First, the process of small and micro enterprises applying for credit loans:
1. application
① Credit application and resolution of the board of directors of the enterprise (as required by the articles of association)
(2) the specific purpose of enterprise loans and the direction of capital use (plan and total amount of funds).
③ Analyze repayment plans and measures, and analyze the cash flow of repayment funds every month.
(4) Mortgage situation, other relevant legal documents and letters, etc.
Step 2 review
(1) project
② Credit evaluation
③ Feasibility analysis
④ Comprehensive judgment
⑤ Pre-loan review
3. After reviewing the loan application, the contracting bank considers that all of them meet the requirements and agree to the loan, and shall sign a loan contract with the lender.
4. Lending
After the signing of this contract, both parties shall verify the loan as agreed in the contract. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party fills in the withdrawal voucher uniformly formulated by the bank, and then goes through the withdrawal procedures at the bank.