Conditions for small and micro enterprises to apply for credit loans:
1, with abundant cash flow;
Step 2: small
This enterprise has been successful for two years.
4, can provide effective
5. Small and micro enterprise owners have strong repayment willingness and the ability to repay in full and on time;
6. Established a stable cooperative relationship with banks;
7. Other conditions required by the bank.
Small and micro enterprise application
Step 1: Apply
(1) Basic information
(2) Auxiliary materials
(c) The need to finance commercial activities.
Credit application and resolution of the board of directors of the enterprise (as required by the articles of association);
The specific use of enterprise loans and the use direction of funds (plan and total amount of funds);
Analysis of repayment sources (monthly cash flow analysis is planned;
Mortgage situation, other relevant legal documents, letters and telegrams, etc.
Step 2: approve 1. Project establishment II. Credit evaluation 3. Feasibility analysis. Comprehensive judgment 5. Pre-loan review.
Step 3: After reviewing the application, the lender shall sign a loan contract if they all meet the requirements and agree to the loan.
Step 4: After the loan issuance contract is signed, both parties verify the loan according to the contract. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party will fill in the unified withdrawal procedures of the bank.
Second, what enterprise credit loans needs.
Need a business license.
3. What are the conditions for China Bank's e-loan?
To apply for e-loan "credit loan" products from China Bank, all the following conditions must be met: 1. The borrowing enterprise is a national standard small and micro enterprise approved and registered by the State Administration for Industry and Commerce. 2. The enterprise and its legal representative are BOC stock customers. 3. The credit status of the enterprise and its legal representative is good. 4. Other credit conditions required by China Bank. The above contents are for your reference. Please refer to the actual business regulations.