How can an enterprise borrow money without mortgage?

Application conditions: \x0d\ 1. The enterprise must continue to operate for more than three years; \x0d\2。 The billing turnover of the enterprise in the last six months must be above 65438+500,000; \x0d\3。 Invoicing (VAT invoice), annual report for two years, monthly report for the last month, and invoice status for the last six months; \x0d\4。 The applicant's personal loan in the last three months cannot be overdue, and the corporate debt ratio cannot exceed 60-70%. \x0d\ process: \x0d\ 1. Appointment: Apply for personal loan by telephone. \x0d\2。 Interview: After receiving the application, the applicant will meet the relevant materials and fill in the application form. \x0d\3。 Review: review according to the information and materials submitted by the applicant. According to the process, the approval result will be fed back to the applicant within 1~3 working days. \x0d\4。 Signing a contract: after the approval, notify the applicant to open an account in the bank and sign a contract with the bank. \x0d\5。 Lending: after the contract is signed, it can be transferred to the special account opened by the applicant in the bank.