Question 1: Can a newly established company apply for a loan? Generally, newly established companies cannot directly get the general financial indicators of enterprises. Whether a bank lends money mainly depends on whether the company has stable cash flow and strong profitability. The project is relatively good, supported by national policies or in a monopoly position, and the entry threshold is high. Banks generally also issue project loans. If you are particularly optimistic about the company's projects, you will also provide general short-term working capital loans. However, for such loans, banks generally require strong guarantees, such as a third-party unit with sufficient value and strong strength. It is difficult to get a loan from a bank.
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
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: Is it a loan? 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, there are branches in Inner Mongolia, Beijing, Ningbo and other big cities. Compared with big banks, its mortgage restrictions are less and the approval 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.
Second, how does the company apply for a loan?
Where is the company?
Third, how to borrow company loans, and how much can a small company borrow at most?
1. The loan can reach about 400,000 yuan, and it can reach 70 ~ 80% of the real estate assessment value. ;
2. The factors that affect the amount of real estate mortgage loans are as follows
Appraisal value of the property:
Among them, the main factors that affect the real estate appraisal value are: housing type, housing area, orientation, location, construction year, floor and so on.
The loan amount is related to the assets you own. If there is only one property, you can only borrow 50% of the real estate assessment value at most. If you have multiple properties, you can get a loan worth 70-80% in real estate assessment.
Personal income:
The amount of personal income will also be considered by banks within the scope of loan factors. If your personal income is low, the bank will consider whether you have enough repayment ability, and then the bank will reduce the loan amount.
Current consumer product quota of the Bank:
Different banks offer different loan projects. Some banks can only lend up to 3 million yuan, and some banks can lend more than 6.5438+0 million yuan. Therefore, the maximum amount of loans that can be made by different banks also has a certain impact.
Fourth, how do enterprises get loans?
After meeting the loan conditions proposed by the bank, you can go to the bank to apply for corporate loans. The borrower needs to explain the loan demand to the staff at the business outlets, and the staff will find a credit manager to connect with the borrower to discuss the specific loan process, loan amount, loan variety, loan interest rate and loan term.
Enterprise loan application conditions:
1. conforms to the definition standard of small and medium-sized enterprises in the credit policy of the lending bank.
2. Continuous operation 1 year.
3. Strong repayment willingness and repayment ability, no bad credit record and no lawsuit.
4. Open a basic settlement account or a general settlement account in a loan bank, and have a stable sales return or promise to collect sales income from the loan bank.
5. Meet other requirements of the lending bank.
If the loan is used for a project, in addition to providing basic information, production, operation and financial information, the loan enterprise shall also provide the following project information:
1, for projects invested by the government, provide approval documents for the approval of the competent authorities; For projects requiring government approval, provide the approval documents of the competent department; If it is necessary to provide a feasibility study report, provide a feasibility study report and approval documents issued by a qualified institution; For investment projects that need to be approved by the competent authorities, the approval documents of the competent authorities shall be provided.
2. Guarantee related materials and other materials.