1. Upstream and downstream channels: Small enterprises can seek loan opportunities from the upstream and downstream of the industrial chain. If you are a dealer of a well-known brand car, you can use the credit and guarantee of upstream manufacturers to obtain loans. If it is a material supplier of a leading enterprise, you can also use the order to go to the bank for order pledge.
2. Policies: At present, the state is vigorously supporting small and medium-sized enterprises, and has successively introduced many preferential policies. Small business bureau and industrial and commercial bureau usually have relatively complete bank credit information. Some departments will introduce enterprises to join a loan project combining bank and securities, and some will provide guarantees for small business loans by setting up guarantee institutions.
3. Financial institutions: Loan information can be obtained from various commercial institutions, as well as from development zone management committees, chambers of commerce, and industry associations in development zones or science parks. Some commercial institutions will also set up joint loan projects with banks, and commercial institutions will provide guarantees for their small business loans.
4. Local channels: If it is a member of a county-level industrial cluster or a local advantageous characteristic industry, enterprises can also apply for loan varieties such as joint guarantee loans by virtue of the advantages of related enterprises.
Extended data:
What are the loan methods for SMEs?
I. Comprehensive credit granting
In other words, for some enterprises with good operating conditions and reliable credit, a certain amount of credit line is given within a certain period of time, and enterprises can recycle the credit line within the validity period and scope. The comprehensive credit line shall be declared by the enterprise at one time and approved by the bank at one time. Enterprises can use the money by stages according to their own business conditions, which is very convenient for enterprises to borrow money and saves the loan cost. Banks provide loans in this way, generally for enterprises in industrial and commercial registration that have passed the annual inspection, are well-run, have a reliable reputation and have long-term cooperative relations with banks.
Second, the credit guarantee loan
In 3 1 provinces and cities, more than 100 cities have established credit guarantee institutions for SMEs. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. The sources of guarantee funds are generally composed of financial allocations from local governments, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When a member enterprise lends money to a bank, it can be guaranteed by a small and medium-sized enterprise guarantee institution. In addition, SMEs can also seek guarantee services from guarantee companies specializing in intermediary services. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems. Because compared with banks, guarantee companies have more flexible requirements for collateral. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.
Third, the project development loan
Some high-tech small and medium-sized enterprises can apply for project development loans from banks if they have major scientific and technological achievements transformation projects. The initial investment is relatively large and their own funds are unbearable. Commercial banks will give active credit support to small and medium-sized enterprises with high-tech products or patent projects with mature technology and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements to carry out technological transformation, so as to promote enterprises to accelerate the transformation of scientific and technological achievements. For high-tech small and medium-sized enterprises that have established stable project development relations with universities and scientific research institutions or have their own research departments, banks can provide project development loans in addition to working capital loans.
Four, natural person secured loans
Natural person guarantee can take three ways: mortgage, pledge of rights and mortgage plus guarantee. Property that can be mortgaged includes personal property, land use right and means of transportation. Personal property that can be pledged includes savings deposit certificates, voucher-type government bonds and registered financial bonds. Mortgage plus guarantee refers to the joint liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the principal and interest of the loan on schedule or commits other breach of contract, the bank will require the guarantor to fulfill the guarantee obligation.
Verb (abbreviation of verb) personal entrusted loan
Commercial banks such as China Construction Bank, Minsheng Bank and CITIC Industrial Bank have successively launched a new loan business-personal entrusted loan. That is, a loan that is entrusted by an individual to provide funds and issued, supervised, used and assisted by a commercial bank according to the loan object, purpose, amount, term and interest rate determined by the client. The basic procedures for handling personal entrusted loans are:
The client applied for a loan from the bank.
Banks choose and match according to the conditions and requirements of both parties, and recommend them to customers and borrowers respectively.
The client meets the borrower directly to negotiate and make a decision on the loan amount, interest rate, loan term, repayment method and other specific matters and details.
After negotiating the requirements, the borrower and lender go to the bank together and sign the entrustment agreement with the bank respectively.
The bank investigates the borrower's credit status and repayment ability and issues an investigation report, and then the borrower and the borrower sign a loan contract and issue the loan after approval by the bank.
Intransitive verb discount bill loan
Bill discount loan refers to the transfer of commercial bills to banks by bill holders, after deducting discount interest. In China, commercial paper mainly refers to bank acceptance bills and commercial acceptance bills. One advantage of this loan method is that banks do not lend money according to the asset size of enterprises, but according to market conditions (sales contracts). When an enterprise receives a bill, it usually takes as little as tens of days and as much as 300 days until the bill is cashed, during which time the funds are idle. If enterprises can make full use of bill discount, it is much simpler than applying for a loan, and the loan cost is very low. Discounting bills can only be done in the bank with the corresponding bills, which can generally be completed within three working days. For enterprises, this is "using tomorrow's money to earn the money the day after tomorrow", which is worthy of extensive and active use by small and medium-sized enterprises.
Seven, pawn loans
Pawn is a kind of loan method that takes real objects as collateral and obtains temporary loans in the form of real object ownership transfer. Compared with bank loans, pawn loans have high cost and small loan scale, but pawn also has incomparable advantages over bank loans. First of all, compared with the bank's almost harsh requirements for the borrower's credit conditions, the pawnshop's credit requirements for customers are almost zero, and the pawnshop only pays attention to whether the pawned items are genuine. Moreover, general commercial banks only pledge real estate, while pawn shops can pledge both movable property and real estate. In fact, in addition to pawn shops, small loan service agencies, guarantee companies, companies and other institutions are also developing vehicle mortgage loans.
Eight. intellectual property
Intellectual property refers to the fact that small and medium-sized enterprises apply for financing from banks after evaluation with the legally owned patent rights, trademark rights and property rights in copyright. Due to the particularity of the implementation and realization of intellectual property rights such as patent rights, only a few banks provide financing facilities for some small and medium-sized enterprises, and generally need the legal representative of the enterprise to take out insurance. Nevertheless, those excellent SMEs with independent intellectual property rights can still try.
How do small and micro enterprises borrow money?
Question 1: How do small and micro enterprises carry out enterprise credit loans? They need a business license for more than 3 years, have real estate in the local area, and the annual running water exceeds 6.5438+0.2 million, so they can borrow up to 300,000 yuan.
Can be used as enterprise mortgage loan: the property under the legal person's name can be used as mortgage loan, with the maximum loanable property value of 140% and the business license of more than one year.
Personal mortgage loan can be made: private property under the name of an individual can be used as a mortgage loan, with a maximum loan of 70% of the total value of the property.
Question 2: How do small and micro enterprises apply for interest-free loans? What materials do they need?
1, age 18 to 45 years old, China citizen with full capacity for civil conduct;
2. Proof of fixed residence and business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.
3. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.
4. Settlement account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.
5. loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly.
6, good reputation, no bad records;
7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, it has not been determined whether individuals pay interest first, then financial subsidies, or financial interest in advance, but the financial discount is certain.
Every bank has different conditions for interest-free loans, but the above items need to be met, and then there will be more procedures. Everyone must prepare all the information before lending money, so as not to waste time running back and forth.
Question 3: Does the loan for small and micro enterprises provide the required information? 1, application;
2. Company profile;
3. A copy of the company's business license;
4. Enterprise code certificate;
5. Tax registration certificate (national tax and local tax);
6, special industry production and business license, qualification certificate;
7. Articles of Association;
8. Capital verification report;
9. Brief introduction of the legal representative;
10, ID card of legal representative;
1 1. The identity certificate of the legal representative issued by the company;
12. The board of directors agreed to the loan resolution;
13, financial statements verified by accounting (auditing) firms in recent three years;
14. Balance sheet, income statement and cash flow statement for the last three months;
15. Description of financial status: a) Description of liabilities; B) investment description; C) Description of sales revenue and profit sources of the enterprise; 16, loan card and password;
17. Description of providing loan guarantees for other enterprises;
18, repayment plan;
19, a copy of the ongoing and upcoming commercial contracts;
20, fund use plan or project feasibility report;
2 1. Materials required for collateral:
A) Proof of ownership of collateral (state-owned land use right certificate and house ownership certificate); B) collateral assessment report.
Question 4: How do banks define loans for small and micro enterprises? Minsheng, China Merchants Bank, Shanghai Pudong Development Bank, Huaxia, Guangfa and other banks are all joint-stock banks that pay more attention to small and micro loans, but each bank has different definitions of small and micro enterprise finance. Minsheng Bank provides loans for small and micro enterprises ranging from 6,543,800 yuan to 5 million yuan, while Shanghai Pudong Development Bank implements a large retail model, which mainly includes personal consumption, personal business loans and small and micro loans below 5 million yuan. Huaxia Bank aims at personal business loans and micro-loans of less than 2 million yuan.
Question 5: Application conditions for corporate loans of small and micro enterprises As far as I know, corporate loans of small and micro enterprises are business loans for small enterprises, which are mainly used to meet the normal capital needs of enterprises in the process of production and operation. Then, can an enterprise legal person apply for an enterprise loan?
As far as I know, as long as it is a small enterprise with loan qualification approved and registered by the State Administration for Industry and Commerce, it can apply to the bank.
First, the advantages of small and micro enterprise loans:
1. The loan amount is relatively high.
Small business companies have a high credit line, such as the highest amount of 20 million yuan stipulated by the Postal Savings Bank; The loan term shall not exceed five years at the longest; The loan interest rate shall fluctuate appropriately on the basis of the benchmark interest rate of commercial loans of the People's Bank of China.
2. Diversified loan methods for small enterprises.
Corporate loans for small enterprises can be secured by real estate mortgage, chattel pledge, guarantee and other means, or they can be used in combination.
Two, small and micro enterprise legal person loan application conditions
1. Customer group: legal representative of a limited company or sole proprietorship enterprise aged 24-65, established for more than 6 months, with complete three certificates;
2. Income requirements: the monthly income is more than 30,000, and it is necessary to provide personal or company running water in the past six months;
3. Credit conditions: no bad record of malicious breach of contract;
4. Other conditions: local real estate.
5. Other restrictions: high-risk industries such as entertainment and steel trade are not allowed to enter;
Three, small and micro enterprise legal person loan application materials:
1. Basic materials: such as the business license (original and copy) that has passed the annual inspection;
2. Information of business owners and related personnel: such as valid identity documents of the legal representative and spouse;
3, business information materials, such as financial statements, bank account flow, etc. ;
4. Mortgage materials, such as the ownership certificate of the property to be mortgaged/pledged;
5. Other materials required for handling loans.
Question 6: How to apply for loans for small and micro enterprises? What qualifications do you need? Small and micro enterprise loan
The materials to be prepared are:
Business license, code certificate of technical supervision bureau and tax registration certificate;
2. Account opening license and loan card;
Three, a copy of the identity card of the legal representative of the enterprise, and the resumes of the major shareholders and senior managers of the legal representative of the enterprise;
4. Articles of association, capital verification report, relevant investment agreement, joint venture agreement or partnership contract or shareholders' agreement of the non-wholly-owned enterprise;
5. Details of settlement accounts in the past year;
6. Financial statements for the last three years;
7. Contracts and vouchers related to financing.
Five steps in the process of scouring financial loans: applying for loans online; Staff telephone confirmation; Consultant evaluation; Send it to the bank; Bank loan.
Question 7: How do small and micro enterprises handle ICBC loans? What information do small and micro enterprises need to prepare if they want to apply for ICBC loans? The details are as follows: 1. Business license, code certificate of technical supervision bureau and tax registration certificate; The second is the account opening license and loan card; The third is a copy of the ID card of the legal representative of the enterprise, and the resumes of the major shareholders and senior managers of the legal representative of the enterprise; 4. Articles of Association, capital verification report, investment agreement, joint venture agreement or partnership contract or shareholders' agreement of a wholly-owned enterprise; Fifth, the details of settlement accounts in the past year; Sixth, the financial statements of the past three years; Seventh, contracts and vouchers related to financing. Of course, the specific provisions shall be subject to the provisions of ICBC!
Question 8: How do small and micro enterprises apply for interest-free loans? For them, the biggest problem is the difficulty of financing. Due to the small scale and large quantity, the existence of small and micro enterprises can be ignored in this economic wave, and banks may even ignore them because they have better customers waiting for them. So how do small and micro enterprises apply for loans from banks? What are the specific steps? Preparation materials: conditions (data) for small and micro enterprises to apply for loans 1, enterprise's own business scale, financial payment analysis and trend prediction 2, cooperation needs, plans and suggestions 3, product situation, market situation, enterprise development scale, level of the same industry 4, enterprise loan card (photocopy) 5, enterprise legal person business license (annual inspection), enterprise legal person qualification certificate, enterprise organization code certificate, etc. Business cooperation and internal financing of enterprises in commercial banks. 8 copies of the financial audit report and the latest financial statement of the enterprise for three consecutive years (with financial stamp). Articles of association, signatures and power of attorney of the legal person and the authorized person. Basic information materials such as enterprise introduction and related background materials 10, articles of association, and list of board members. Specific steps: 1. Application, basic information, auxiliary information, necessary information for business operation A, credit application, resolution of the board of directors of the enterprise (as required by the articles of association); B. The specific purpose of the loan and the direction of the use of funds (the plan and total amount of funds used); C. Analysis of repayment sources (plans and measures) and monthly cash flow analysis of repayment fund arrangement; Mortgage situation, other relevant legal documents, letters, etc. The second is to make a comprehensive judgment on the feasibility analysis of credit evaluation for project approval. Pre-loan review. The contracting bank shall sign a loan contract with the lender if it considers that all the loan applications meet the requirements after examination and agrees to the loan. Four. After signing the Loan Issuance Contract, both parties shall 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 fills in the withdrawal voucher uniformly formulated by the bank, and then goes through the withdrawal procedures at the bank. Here, I also want to remind: when small and micro enterprises interact with banks, banks should be absolutely assured of the safety of loans.
Question 9: What is the bank's definition of small and micro enterprise loans? Enterprise loan conditions:
1. An enterprise must be approved by the State Administration for Industry and Commerce to be established, registered and hold a business license.
2 the implementation of independent economic accounting, independent operation of enterprises, self financing. That is, the right of enterprises to engage in production and business activities independently; Have an independent experience
Working capital, independent financial plans and financial statements; Independent accounting of profits and losses, signing foreign purchase and sale contracts.
3. Have certain self-owned funds. If an enterprise does not have certain funds of its own, once it loses money, it will inevitably crisis bank loans.
The loan funds suffered losses.
4. Abide by the policies and regulations and the bank credit settlement management system, and open basic account and general deposit accounts in banks as required.
5. Profit from production and operation. The products produced and operated by enterprises must be marketable and short-term products that can bring benefits to society and enterprises.
Bring benefits and improve the utilization rate of credit funds.
6. Keep your credit. After the enterprise obtains the loan, it must also strictly fulfill the obligations stipulated in the contract.
7. An enterprise applying for a loan shall meet the following conditions at the same time: the original interest payable and the due loan have all been paid off, and the outstanding loan has been recognized by the lender.
Feasible repayment plan; The borrower has gone through the annual inspection formalities in the industrial and commercial department; Except as stipulated by the State Council, limited liability companies and shares are limited.
The accumulated foreign equity investment of the company shall not exceed 50% of its total net assets; The borrower's asset-liability ratio meets the loan requirements; expand
The ratio between the owner's equity of an enterprise as a legal person and the total investment required for new projects applying for medium and long-term loans is not less than the investment projects stipulated by the state.
Capital ratio.
Question 10: Why is it difficult for small and micro enterprises to borrow money from banks? Services are big loans, small disdain. Now private lending is very convenient, but the cost is slightly higher.
Best loan for small and micro enterprises
1. Small and micro fast loans from China Construction Bank.
Under the small business finance of CCB, there are four services: growth road, quick loan, micro-loan and credit loan. Small and micro enterprise applications under each service are different and need to be selected according to their own situation.
2. Micro-credit of Weizhong Bank
The microfinance service under its door is provided for small and medium-sized enterprises. Associated enterprises can borrow RMB 3 million per day without mortgage, with the longest repayment period of 36 installments.
3. China Merchants Bank Micro Lightning Loan
Small and micro lightning loan is a pure credit loan, which is exclusive to small and micro business owners. The maximum loan is 500,000 yuan. For details, please pay attention to WeChat official account "China Merchants Bank Personal Loan".
The standard of small enterprises is generally that the number of employees is below 500 or the annual sales of enterprises is below 654.38+million yuan;
The standard for dealing with small enterprises is that the number of employees is less than 300 or the annual sales of enterprises is less than 30 million yuan or the total assets of enterprises are less than 40 million yuan;
The standard of small wholesale enterprises in small circulation enterprises is that the number of employees is below 100 or the annual sales of enterprises is below 30 million yuan; The standard of retail small enterprises is that the number of employees is below 100 or the annual sales of enterprises is below100000 yuan;
The standard of small transport enterprises is that the number of employees is less than 500 or the annual sales of enterprises is less than 30 million yuan; The standard of small storage enterprises is that the number of employees is below 100 or the annual sales of enterprises is below1000 yuan.
As long as one of the above-mentioned standards of the number of employees or annual sales (total assets of the enterprise) is reached, it can be identified as a small enterprise.
Application conditions
1. conforms to the national industry and industrial policies, and does not belong to small enterprises with high pollution and high energy consumption;
2. The enterprise has a good reputation in various commercial banks and has no bad credit record;
3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection;
4. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the products have market and benefits;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;
8. Abide by the policy of establishing industry credit related to small enterprises;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.
What are the conditions for small and micro enterprise loans?
I. Conditions:
1, with abundant cash flow.
2. Small and micro business owners have good credit.
This enterprise has been very successful for more than two years.
4. Be able to provide effective financial proof.
5. Small and micro business owners are willing to repay and have the ability to repay in full and on time.
6. Other conditions required by the bank.
Two, according to the loan period: short-term loans, medium-term loans and long-term loans.
1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive).
2. Medium-term loan: refers to the loan with a loan term of 1 year (excluding) to 5 years (including).
3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).
Extended data:
Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans and so on.
First, the process of small and micro enterprises applying for credit loans:
1. application
① Credit application and resolution of the board of directors of the enterprise (as required by the articles of association)
(2) the specific purpose of enterprise loans and the direction of capital use (plan and total amount of funds).
③ Analyze repayment plans and measures, and analyze the cash flow of repayment funds every month.
(4) Mortgage situation, other relevant legal documents and letters, etc.
Step 2 review
(1) project
② Credit evaluation
③ Feasibility analysis
④ Comprehensive judgment
⑤ Pre-loan review
3. After reviewing the loan application, the contracting bank considers that all of them meet the requirements and agree to the loan, and shall sign a loan contract with the lender.
4. Lending
After the signing of this contract, both parties shall verify the loan as agreed in the contract. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party fills in the withdrawal voucher uniformly formulated by the bank, and then goes through the withdrawal procedures at the bank.