Generally, newly established companies basically have no general financial indicators of existing enterprises. Whether a bank lends money mainly depends on whether the company has strong profitability and good development space. If the company's projects are good, supported by national policies or basically in a monopoly position, banks will generally provide loans for long-term construction projects.
If the company is given short-term working capital loans, but for such loans, banks generally need valuable and easy-to-realize land or real estate guarantees, and it is difficult for newly established companies that do not meet the above conditions to go to the bank for loans.
Second, how to borrow money during the establishment of the company
You can apply for a venture loan, and you need to meet the following conditions:
1, with full capacity for civil conduct, under the age of 50.
2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce.
3, engaged in legitimate production and business activities, the project has development potential or market competitiveness, with the ability to repay the loan principal and interest on schedule.
4, good credit, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by the bank.
5. Having a fixed residence and business premises in the agency.
6. Open a settlement account in the bank and handle daily settlement through the bank account.
7. Other conditions stipulated by the bank.
Three, the newly established company, how to make accounts and tax returns?
Many people think that when the company was registered, it didn't operate very well at first, so it didn't need to do accounting or file tax returns.
1. It is necessary to make accounts. According to relevant laws and regulations, account books must be set up within 15 days after obtaining the business license. Enterprises must have professional accountants to do accounts for enterprises according to original bills and vouchers.
2. Tax returns are also necessary. According to the relevant laws and regulations, an enterprise must declare its operation to the tax bureau every month after obtaining a business license. Whether you make money or not, whether you have business or not, you should make an account every month according to the business situation, and then go to the tax bureau for tax declaration according to the account book. Failing to file tax returns within the time limit stipulated by the tax bureau, if the circumstances are minor, the tax authorities will impose a fine of more than 200-2,000 yuan per month on the enterprise in addition to paying back the tax. If the overdue period is long, the tax authorities will also impose a fine of more than 2000- 1000 yuan. If the circumstances are serious, the tax authorities will be more serious and pay a correspondingly higher fine. The identity card information of all shareholders of the company will be blacklisted by the relevant registration authorities. In the future, loans, reinvestment, and going abroad will all be affected.
Fourth, how do newly established companies get loans?
Question 1: Can a newly established company apply for a loan? Generally, newly established companies basically have no cash flow, and it is basically impossible to directly obtain the general financial indicators of enterprises. Whether a bank lends money mainly depends on whether the company has stable cash flow, strong profitability and good development space. If the company's projects are good, supported by national policies or basically in a monopoly position. General banks will also provide loans for long-term construction projects, and if they are particularly optimistic about the company's projects, they will also provide general short-term working capital loans. However, for such loans, banks generally require strong guarantees, such as land with sufficient value and easy to realize, or collateral provided by strong third-party units. If a newly established company does not meet the above conditions, it is difficult to get a bank loan.
Question 2: How do newly registered companies get loans? Newly registered companies can only borrow money if they have real estate as collateral. The general loan amount is 65438+ 0/3 of the real estate assessment amount, and there is a guarantor. You can also spend money to find a professional guarantee company designated by the bank to guarantee the loan. You can consult the loan department of the bank for details.
Question 3: How long does it take for a newly registered company to get a loan 1-2 years? It's best to find a small bank loan first.
Question 4: It is more difficult for newly established companies to borrow money from banks. It is said that it has been established for at least one year and applied for loans from banks, such as Rongdao.com. ..
Question 5: Can a newly established company get a loan? Yes! How much is needed
Question 6: How do newly established companies apply for corporate loans? What procedures and conditions are needed? It is not easy for a newly established company to apply for a bank loan. First of all, you need to have a fixed business place, running water, a license and complete three certificates. This is the minimum.
Question 7: Can a newly established company apply for a loan? It depends on the assets of your company. It can't be just a license.
Question 8: How long does it take for a new company to register a loan? Generally speaking, it is at least half a year. In order to register a company and apply for a loan, many things are needed. Is it convenient to send a private message?
Question 9: Hello, can a newly established company borrow money from a bank? It may not be easy to borrow money because your qualifications are not obvious. If it takes a long time, they should be able to borrow money after seeing your qualifications.
Question 10: Can newly registered small businesses get loans this year? Yes, there are many small and medium-sized financing institutions, among which the city commercial bank Baoshang Bank, which specializes in providing loans for small and medium-sized enterprises, has been successful for more than ten years. At present, its business is no longer limited to Inner Mongolia, but also has branches in big cities such as Beijing and Ningbo. Compared with big banks, its mortgage restrictions are less, and the approval processing speed is quite fast. Small business financing is mainly handled by small and medium-sized banks, town banks and rural credit cooperatives in local cities. You can consult more. I hope it helps you.