How to apply for a small and micro enterprise loan
1. To apply for an enterprise loan, you must meet the following conditions: 1. It complies with the national industry and industry policies and is not a small enterprise with high pollution or high energy consumption. ;2. The enterprise has a good reputation in various commercial banks and has no bad credit record; 3. It has a business license approved and registered by the industrial and commercial administration department and has passed the annual inspection, and holds a loan card issued by the People's Bank of China and subject to normal annual inspection; 4. Have Necessary organizational structure, operation management system and financial management system, with a fixed basis and business location, legal operation, marketable and profitable products; 5. Have the ability to perform contracts and repay debts, have good repayment willingness, and have no bad credit record , credit asset risks are classified as normal or concerns affected by non-financial factors; 6. The business operator or actual controller has more than 3 years of working experience, is of good quality, and has no bad personal credit record; 7. The business operation is stable and established In principle, the term should be more than 2 years (inclusive), with at least one or more fiscal year financial reports, and sales revenue growth and positive gross profit for 2 consecutive years; 8. Comply with the establishment of industry credit policies related to small business business; 9 .Be able to comply with national financial regulations, policies and relevant bank regulations; 10. Open a basic settlement account or general settlement account at the applicant bank. 2. The information that small and medium-sized enterprises need to provide when applying for loans is as follows: the name, contact number, mobile phone, fax, contact address and postal code, website, and email of the specific person in charge. The following materials must also be provided: 1. Original and duplicate copies of the business license; Name, business address (province, city, county) 2. Original and duplicate copy of organization code certificate; 3. Original and duplicate copy of tax certificate; 4. Copy of account opening license; 5. Copy of loan card and password ( or a copy of the loan card inquiry result); 6. A copy of the original ID card of the legal representative; the legal representative’s work history (work experience and positions held); 7. The legal person’s employment certificate and legal person’s resume; the authorization letter of the authorized agent and Original and copy of the agent’s ID card; 8. Equity structure (name of shareholder, proportion of shareholders), registered capital of the company, establishment time, net assets of the company, total assets (10,000 yuan); 9. Copy of the company’s articles of association; company business development Situation introduction (mainly describing the business development method, settlement method, and the competitiveness of the product in terms of technical quality); 10. Copy of the capital verification report; the company’s audited financial statements for the past three years (including complete notes), and the company’s audited financial statements for the past three months. Financial statements; 11. Real estate area, purchase value (10,000 yuan), real estate location (province, city, county); 12. The name of the most important equipment, the most important equipment quantity, the most important inventory name, the most important inventory quantity; 13 .Accounts receivable (10,000 yuan); 14. Total bank borrowings (10,000 yuan), total other borrowings (10,000 yuan); 15. Total amount of this loan (10,000 yuan), purpose and project feasibility report; 16. Yes The security methods provided (certificates of ownership of residential mortgages, shop mortgages, industrial plants, corporate guarantees, inventory pledges, accounts receivable pledges, etc.); counter-guarantee measures to be provided; 17. Loan application form; 18. Enterprise decision to apply Resolution of shareholders’ meeting or partnership’s meeting for loan guarantee; 19. Original and copy of special industry production and operation license; 20. Basic account opening bank.
What are the channels for small and medium-sized enterprise loans?
1. Upstream and downstream channels: Small businesses can look for loan opportunities from upstream and downstream of the industrial chain. If they are a dealer of a well-known brand of cars, the company can borrow from the credit and guarantee of the upstream manufacturers. If As a material supplier for a leading company, you can also use the order to go to the bank to process the order pledge.
2. Policies: Now the country is vigorously supporting small and medium-sized enterprises and has successively launched many preferential policies. The Small Business Bureau and the Industrial and Commercial Bureau usually have relatively complete bank credit information. Some departments will introduce companies to join a certain bank-securities joint loan project, and some will set up guarantee agencies to provide guarantees for small business loans.
3. Financial institutions: You can obtain loan information from various commercial institutions, such as development zone management committees, chambers of commerce and industry associations in development parks or science and technology parks. Some commercial institutions will also Establish joint loan projects with banks, and commercial institutions provide guarantees for small business loans under them.
4. Local channels: If the company is a member of a county industrial cluster or a local advantageous and characteristic industry, the company can also apply for joint guarantee loans and other loan types based on the advantages of related companies.
Extended information:
What are the ways to obtain loans for small and medium-sized enterprises?
1. Comprehensive credit
That is, to some enterprises with good operating conditions and reliable credit, a certain amount of credit line is granted for a certain period of time, and the enterprise can recycle it within the validity period and the limit range. . For a comprehensive credit limit, the enterprise shall declare relevant materials in one go and the bank shall approve it in one go. Enterprises can use the funds in installments according to their own operating conditions and borrow and repay them at any time. It is very convenient for enterprises to borrow money and it also saves loan costs. Banks provide loans in this way, generally to enterprises that have industrial and commercial registration, passed the annual inspection, have good management, have reliable reputation, and have a long-term cooperative relationship with the bank.
2. Credit guarantee loans
Among the 31 provinces and cities across the country, more than 100 cities have established credit guarantee institutions for small and medium-sized enterprises. Most of these institutions implement membership management and are public service, industry self-disciplined, and non-profit organizations. The source of the guarantee fund is generally composed of local government financial allocations, member funds voluntarily paid by members, funds raised from the community, and funds from commercial banks. When member companies borrow money from banks, they can be guaranteed by small and medium-sized enterprise guarantee institutions. In addition, small and medium-sized enterprises can also seek guarantee services from guarantee companies that specialize in intermediary services. When enterprises cannot provide guarantee measures acceptable to banks, such as mortgages, pledges or third-party credit guarantors, guarantee companies can solve these problems. Because guarantee companies have more flexible collateral requirements than banks. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures. Sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.
3. Project Development Loans
If some high-tech small and medium-sized enterprises have scientific and technological achievement transformation projects of great value and the initial investment amount is relatively large and the company's own capital cannot bear it, they can apply to Bank application for project development loan. Commercial banks will provide active credit support to small and medium-sized enterprises that have high-tech products or patented projects with mature technologies and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements to carry out technological transformation, 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 relationships with universities and scientific research institutions or have their own research departments, banks can also provide project development loans in addition to working capital loans.
4. Natural person guaranteed loans
Natural person guarantees can take the form of mortgage, rights pledge, or mortgage plus guarantee. Properties that can be used as mortgage include personal properties, land use rights, transportation vehicles, etc. Personal property that can be pledged includes savings certificates, certificated treasury bonds and registered financial bonds. Mortgage plus guarantee means that on the basis of property mortgage, a joint liability guarantee of the mortgagor is added. If the borrower fails to repay the entire loan principal and interest on time or other defaults occur, the bank will require the guarantor to perform its guarantee obligations.
5. Personal entrusted loans
Commercial banks such as China Construction Bank, Minsheng Bank, and CITIC Industrial Bank have successively launched a new type of loan business-personal entrusted loans. That is, a loan is entrusted by an individual to provide funds, and a commercial bank issues, supervises, uses and assists in the recovery of the loan based on the loan object, purpose, amount, term, interest rate, etc. determined by the client. The basic procedure for handling personal entrusted loans is:
The entruster submits a loan application to the bank.
The bank will select and match according to the conditions and requirements of both parties, and recommend them to the entrusting party and the borrower respectively.
The client and the borrower meet directly to negotiate and make decisions on specific matters and details such as loan amount, interest rate, loan term, repayment method, etc.
After the borrower and the lender have negotiated the required conditions, they go to the bank together and sign an entrustment agreement with the bank respectively.
The bank investigates the borrower's credit status and repayment ability and issues an investigation report. Then the borrower and the lender sign a loan contract and issue the loan after approval by the bank.
6. Bill discount loan
Bill discount loan means that the bill holder transfers the commercial bill to the bank and obtains funds after deducting the discount interest. In our country, commercial bills mainly refer to bank acceptance bills and commercial acceptance bills.
One of the benefits of this loan method is that banks do not lend based on the company's asset size, but based on market conditions (sales contracts). From the time an enterprise receives a bill to the date when the bill matures for redemption, it often takes anywhere from a few dozen days to as many as 300 days. During this period, the funds are idle. If an enterprise can make full use of bill discount loans, the procedures are far simpler than applying for a loan, and the loan cost is very low. For bill discounting, you only need to bring the corresponding bills to the bank to go through the relevant procedures. It can usually be completed within 3 business days. For enterprises, this is "using tomorrow's money to make money the day after tomorrow." This kind of loan method It is worthy of extensive and active use by small and medium-sized enterprises.
7. Pawn loan
Pawn is a loan method that uses physical objects as collateral and obtains temporary loans in the form of transfer of physical property ownership. Compared with bank loans, pawn loans have high costs and small loan sizes, but pawns also have advantages that bank loans cannot compare with. First of all, compared with banks’ almost demanding credit requirements for borrowers, pawn shops have almost zero credit requirements for customers. Pawn shops only focus on whether the pawned items are genuine. Moreover, generally commercial banks only mortgage real estate, while pawn shops can pledge both movable and real estate. In fact, in addition to pawn shops, microfinance service institutions, guarantee companies, companies and other institutions are carrying out vehicle mortgage loan business.
8. Intellectual property rights
Intellectual property rights refer to applying for small and medium-sized enterprise financing from banks after evaluating the property rights in legally owned patent rights, trademark rights, and copyrights. Due to the particularity of the implementation and realization of intellectual property rights such as patent rights, only a few banks provide this SME financing facility to some small and medium-sized enterprises, and the guarantee is generally required by the legal representative of the enterprise. Despite this, outstanding small and medium-sized enterprises with independent intellectual property rights can still give it a try.
How to get a small business loan and what are the ways and means?
Small business credit loan methods:
(1) Tax loan: Apply for a loan based on the company’s tax payment in the past three years, and the minimum annual tax payment in that year is more than 20,000 ; Loan term: generally 1-3 years; Loan term: generally 1-3 years.
(2) Invoicing loan: Apply based on the company’s annual invoicing amount, the minimum annual invoicing sales is greater than 2 million; loan term: 1-3 years; loan amount: 100,000-3 million; annual loan interest: 10-20%.
(3) Guaranteed loan: The company itself has a certain amount of turnover and real sales. Find a company or individual who owns real estate or has a company that has been established for a long time and has a certain amount of turnover as a guarantor; Loan term: 6-12 months per cycle; loan amount: 10-10 million; annual loan interest: around 8%-15.
(4) Current loan: Loans are provided based on the current turnover of the corporate bank. This type of loan is divided into account opening bank loan and institutional loan, and the interest rates of the two types are different. Loan term: 1-3 years; Loan amount: The loan amount of the opening bank is generally 100,000-20 million.
The loan limit is generally between RMB 10,000 and RMB 500,000; the annual interest rate of the loan: If the company's account opening bank has related business, the general interest rate is 7-12%. The interest rate of the loan institution is higher, and the interest rate in most months exceeds 1.5%.
(5) Enterprise credit: Banks grant credit based on the overall situation of the enterprise. It is relatively difficult for small and medium-sized enterprises to apply. Loan term: 1-8 years; loan amount: different according to different banks; annual loan interest: 7-12%. There may be some other requirements, such as return deposit, pledge of deposit certificate, etc.
How do small and medium-sized enterprises obtain bank loans?
For enterprises to obtain bank loans, they can follow the following steps:
1. Submit a loan application to the bank and submit a complete Loan information;
2. The bank accepts the loan and approves the loan;
3. After approval, both parties sign a loan contract, guarantee the original contract, and go through the mortgage procedures;
4. After all procedures are completed, the bank will issue the loan;
5. The borrowing enterprise will repay the loan in full and on time in accordance with the contract.
Extended information:
Enterprise loan refers to a method of borrowing money from banks or other financial institutions according to prescribed interest rates and terms for the needs of production and operation. Corporate loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technological transformation.
Enterprise loan conditions:
1. Comply with the country’s industry and industry policies, and are not high-pollution, high-energy-consuming small businesses;
2. Enterprise Have a good reputation in various commercial banks and have no bad credit records;
3. Have a business license approved and registered by the industrial and commercial administration department and pass the annual inspection;
4. Necessary The organizational structure, operation management system and financial management system have a fixed basis and business location, are operated legally, and the products have a market and are profitable;
5. Have the ability to perform the contract and repay debts, and have a good willingness to repay. , no bad credit record, credit asset risk is classified as normal category or concern category affected by non-financial factors;
6. The business operator or actual controller has more than 3 years of working experience, is of good quality, and has no bad reputation Personal credit record;
7. The business operation situation is stable, the establishment period is in principle more than 2 years (inclusive), there is at least one or more fiscal year financial reports, and the sales revenue and gross profit have increased for 2 consecutive years. is a positive value;
8. Comply with the establishment of industry credit policies related to small business business;
9. Able to comply with national financial regulations, policies and relevant bank regulations;
< p>10. Open a basic settlement account or general settlement account at the applicant bank.