How to borrow a loan from Xinyi Enterprise? There are these processes.

Many small and medium-sized enterprises in Xinyi are short of funds this year. Without sufficient financial support, it is difficult for enterprises to maintain their operations and production, and even many will face bankruptcy crisis, and loans can help enterprises obtain funds quickly. So, how do Xinyi enterprises get loans? Here is a brief introduction to the loan conditions and procedures.

I. Loan conditions

1. Enterprise qualification: Both banks and loan companies will review the enterprise qualification, and the reference factors include enterprise prospect, operation, credit information, product benefit, etc. If the enterprise has stable and continuous income, stable operation and clear framework, then it has the opportunity to obtain loans.

2. Repayment ability: Lending institutions will judge the repayment ability of enterprises in terms of free capital, monthly turnover, debt ratio and collateral. If the enterprise has strong repayment ability, the higher the possibility of issuing loans.

3. Purpose of loan: A loan plan must be provided and the purpose of the loan must be explained. Enterprise loans are all business loans, which can only be used for the capital flow of enterprise operation and production, such as paying wages, purchasing equipment and paying for goods. , but not for real estate speculation, stock trading and lending. If the loan is not used according to the purpose, the lending institution may recover the loan in advance.

Second, the loan process

1. Select the loan channel. Some lending institutions can only handle offline, and some support online and offline. It is best to do it online. For example, many banks can apply for loans directly in mobile banking, saving the time for handling loans.

2. Prepare complete materials, mainly including materials to prove the qualification of the enterprise, legal and valid business license, credit code of the organization, loan card, tax payment certificate, financial details, loan plan, etc. , as well as the valid identity documents and income certificates of the enterprise legal person or shareholders.

3. Submit the loan application and wait for the bank's approval.