First, the working capital loan application materials
1. Basic information of borrowers and enterprises.
2. The financial report of the previous year and the financial report of the previous loan application approved by the accounting (auditing) department.
3. The current financial situation of the enterprise.
4. List of mortgage and pledge that can be provided, certificate of the holder's consent to mortgage and pledge, and certificate of the guarantor.
5. Documents agreeing to guarantee.
6. Enterprises need to provide a feasibility report when applying for loans.
7. Other application materials required by local banks in Zhenjiang.
Second, the focus of the working capital loan audit
Different banks have different requirements. At first, banks will mainly review these aspects, and SMEs can also pay attention to them. They usually pay attention to optimizing these details so that it will be easier to apply for loans in the future.
1, income. Only stable and growing income can guarantee sufficient repayment ability, so banks will focus on the sales revenue of enterprises in the previous year and the expected annual growth rate of sales revenue.
2. Financial situation. The current capital situation of an enterprise is also important, including the number of working capital turnover, self-owned funds, existing working capital loans, accounts receivable and working capital provided by other channels (including loans and bonds obtained from shareholders). Employees raise funds. Small equipment purchased through financial leasing. Financial subsidies, stock issuance, financing by non-bank financial institutions, etc. ).
3. Credit information. The current liabilities and paid-off liabilities of the enterprise, as well as the records of guarantee for others or enterprises.