1, add guarantor
Applying for corporate loans generally requires collateral or collateral. If you are not strong enough, the general bank will not give it. Therefore, if the qualification of the enterprise is average and the credit is not very good, you can try to increase the number of guarantors and seek a powerful partner to guarantee for you. It should be noted that the guarantor must have sufficient funds and strength, otherwise it will be rejected by the bank.
Step 2 increase business contacts
If you want to apply for a corporate loan in a bank, you must first give the bank some sweetness, such as investment and wealth management, insurance, microfinance products, and large deposit certificates. , open a settlement account in a financing bank, and do more business at ordinary times. This will not only allow banks to fully see the situation of enterprises, but also provide some guarantees. This move is very useful and business owners must pay attention to it.
3. Opening bank is the first choice.
If you want to apply for a loan, try to choose an account bank. As the saying goes, acquaintances are easy to deal with. As long as the enterprise regards the bank as a place to keep funds and makes some contributions from time to time, the bank will naturally know what it is, and will look at the data of several years when auditing, and will also give a higher pass rate.
In short, if an enterprise wants to apply for a loan, it must make good preparations in the early stage and follow up at any time when applying for a loan. Sometimes, a small detail will affect the success or failure of the loan.