How can an enterprise get a loan without collateral? There are several ways!

For a normal business enterprise, working capital is essential, which can meet daily operations, expand scale, purchase assets, etc. The most effective way to obtain working capital is to apply for corporate loans. What if an enterprise has no assets that can be used for mortgage? You can consider these loan methods.

1. Credit loan

Now it is very common in enterprise credit loans. This kind of loan does not need mortgage guarantee, as long as the enterprise has "soft power", such as sufficient tax payment, billing amount, excellent credit investigation, good development and government support for industries, etc., all of which have the opportunity to obtain enterprise credit loans.

The enterprise must have been established for at least 3 years, and there is no loans overdue in the last 3 months, and the debt ratio of the enterprise cannot exceed 6%, and there is no tax evasion or other irregularities. You can try to apply for a credit loan.

2. secured loan

if there is no collateral in the name, you can ask a powerful individual or enterprise as a guarantor to provide the borrower with a guarantee of joint and several liability. if the enterprise fails to repay the loan on time, the guarantor needs to bear the repayment responsibility according to the contract.

3. Discounted bills loan

Many enterprises have commercial bills and acceptance bills that are not due, which can be used to realize them in banks or discount companies. This is also a good loan method, which is suitable for enterprises with a lot of bills.

In short, you can apply for corporate loans without collateral, but the success rate and amount of loans will be much lower. Enterprises can try to find some city commercial banks or loan companies with lower thresholds, which can also provide loan services with much lower requirements.

what are the conditions for application?

what are the conditions for application?

to apply, you must meet four loan conditions.

Condition 1: Have a good credit record

Although the borrower applying for the loan does not need to provide collateral, it must have a good credit record. If the borrower has overdue for more than three times or accumulated overdue for more than six times in the last two years, there is no doubt that the loan will be rejected. Therefore, if you want to succeed, you must first have a good credit record.

Condition 2: Have a stable job

The borrower who applies must have a stable job. It is reported that at present, most lending institutions require borrowers to work continuously in their current units for half a year, and a few lending institutions allow them to work continuously for three months, so if the borrower's working period is too short, the application may be rejected.

Condition 3: Higher income

Although different lending institutions have different income requirements for borrowers, it is always easier to get loans with higher income than with lower income, and borrowers with higher income are more likely to get loans from banks.

Condition 4: Provide complete and true loan procedures

Some borrowers have a "crooked" idea because some requirements do not meet the requirements of the lending institution, so they may not be able to hide it from the lending institution, so it is better for the prospective borrowers to provide complete and true loan procedures, so as to avoid unnecessary troubles.

What are the application conditions?

The following is the introduction of ICBC's "personal bank":

Personal small short-term credit loans are RMB credit loans with a term of less than one year and an amount of less than 2, yuan, which are issued by the lender to solve the temporary consumption needs of the borrower without providing guarantee. Lenders refer to the branches of China Industrial and Commercial Bank that offer personal small short-term credit loans. The borrower refers to a China citizen who has a fixed residence in China, a permanent residence in a local town (or a valid residence certificate) and has full capacity for civil conduct.

1. Borrower's conditions

A borrower applying for a personal small short-term credit loan must meet the following conditions:

1. A China citizen with a fixed residence in China, a permanent residence in a local town (or a valid residence certificate) and full civil capacity;

2. Have a proper occupation and stable economic income (monthly wage income should be above 1 yuan), and have the ability to repay the loan principal and interest on schedule;

3. The borrower's unit must be an administrative department, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender shall pay the wages on its behalf;

4. Abide by the law, and have no illegal acts and bad credit records;

5. Open peony credit card or current savings account in China Industrial and Commercial Bank;

6. sign an agreement with the lender to deduct the loan from its peony credit card or current savings account;

7. Other conditions stipulated by the lender.

II. Term and interest rate of the loan

(1) The term of personal small short-term credit loans is less than one year (inclusive).

(2) The interest rate of personal small short-term credit loans shall be subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range shall be subject to the relevant regulations of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate shall be implemented and interest shall not be calculated by stages. If the loan term is less than 6 months, the interest will be calculated at the interest rate of 6 months.

(3) The starting point of personal small short-term credit loan is 2, yuan, and the loan amount shall not exceed 6 times of the borrower's monthly salary income, and the maximum amount shall not exceed 2, yuan.

(4) Individual small short-term credit loans are generally not extended. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the cumulative loan period shall not exceed one year. The interest before the extension is paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated at the 6-month loan interest rate listed on the same day from the extension date; if it is more than 6 months, the interest will be calculated at the 1-year loan interest rate listed on the same day from the extension date.

III. Application for Loan

When applying for a loan, the borrower shall provide the following information to the lender:

1. Approval form for loan application;

2. My valid identity document.

it depends on what you are mainly engaged in, including punch-in salary loan, house loan, car loan, full car loan, bank card running loan and corporate loan. I'll tell you what you need.

ID card, household registration book, credit report, work certificate, bank statement, residence certificate, business payment receipt, medical care or social security card. What are these

personal application conditions

From the perspective of industry requirements. They require that the applicant must be a civil servant, an official employee of a public institution, or an employee of a listed company or a large state-owned enterprise. In addition, some loan products require the applicant not to be a salesperson, and some require the applicant not to be an operator.

judging from the requirements of credit investigation, it is generally required that the applicant has no bad credit record, but there are also many products that require the applicant not only to have no bad credit record, but also to have a blank credit.

What are the requirements for a small application?

Application requirements:

1. Be a Chinese mainland resident who has reached the age of 18;

2. Having a stable address and place of work or business operation;

3. Have a stable source of income;

4. There is no bad credit record, and the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing procedures:

1. Submit an application to a local bank or lending institution;

2. All kinds of materials needed for loan preparation;

3. Face-to-face signing of banks or lending institutions;

4. banks audit the qualifications of lenders;

5. The audit passed and the loan was granted successfully.

what conditions does Shanghai bank need to apply? What are the main conditions for applying in Shanghai?

Shanghai bank application materials: valid identity documents; Proof of permanent residence or valid residence, and proof of fixed residence; Proof of marital status; Proof of income or personal assets; The loan use plan or announcement; Other information required by the bank.

what are the application processes?

unsecured credit loan? If you go to a small loan company, you will probably have a monthly salary, household registration, ID card and social security in the past six months. If you rent a house, you will also have to rent a contract, and there may be a proxy to check the credit fee. That's all I know. < P > What are the personal application conditions in Chenzhou? < P > ぅぇぇぉぉかが𞌇き. Loan business department: Manager Wang's

No charge for unsuccessful interest deduction

Ping An International Investment Guarantee Co., Ltd., as a professional credit service institution, is committed to providing professional credit services for enterprises and individuals, and building an overpass between banks, enterprises and individuals to achieve multi-win.

the company's development strategy is guided by the national industrial policy and market demand, relying on commercial banks, non-bank financial institutions and investment guarantee institutions, providing loan services for enterprises and individuals, helping enterprises and individuals to tailor loan plans, constantly seeking innovation on the basis of steadily improving the development of traditional business varieties, and striving to make the company a financial service provider that conforms to the market-oriented operation rules.

1. Personal unsecured loans are divided into the following two forms:

Type 1: Credit loans: no bad credit card repayment record, salary card certificate and work certificate.

employees of state-owned enterprises, private enterprises and institutions earn more than 2, yuan a month,

the audit time is 1-2 working days

Type 2: those who have no salary card certificate, pay wages in cash, and have bad credit card repayment records must meet one of the following requirements:

(1) local people

(2) foreigners have a facade room to do business in the Fifth Ring Road. Monthly interest: not equal to

Second, car mortgage: local cars, foreign cars, loan cars (only for local cars without parking)

Provide information: car purchase invoice, registration certificate, driving license, insurance policy, ID card

Third, enterprise credit is bottomless: the business license of the enterprise is over one year, and the details of bank card transactions for nearly one year can be provided. Information required for the normal operation of the company

:

1 identification certificate (second-generation ID card)

2 copies of business license (for public banks and private banks)

4 factory address certificate or lease contract

5 photocopies of house books and cars (for financial proof)

Advantages: fast loan lending, with the fastest payment in three days and the shortest payment in 15 working days.

loan consultation telephone number: my user name (respondent)

Tips: Those who use low interest as bait and charge under various excuses before lending are liars, please don't be fooled!

Shenzhen Easy Loan is the largest credit company in Shenzhen, with strong financial strength and advanced management mode. In view of the current tight monetary policy implemented by the central bank, it provides loans to individuals, property owners, private owners and small and medium-sized enterprises in Shenzhen, with no mortgage, no guarantee and fast loan.

address of business department: there are business departments in all districts of Shenzhen, and you can go to the nearest one to handle it.

application conditions

1. The borrower is the legal person or major shareholder of the enterprise and has actual operation and control rights;

2. It has a fixed business place and address, and has been operating for more than 6 months (with or without a business license).

loan term: 3 to 36 months

loan amount: 1,-5 million

required application files:

1. ID card of legal representative.

2. The flow of the loan applicant's corporate account and personal bank in the last year

3. Lease contract or free property right certificate of the office space

4. Rental invoice of the loan applicant's business premises in the last month, water and electricity bills

5. Recent business contracts and orders.

if necessary, the following information should be provided:

1. Business license, organization code and tax registration certificate of the loan applicant

2. Basic account opening license of the loan applicant

3. Tax payment certificate of the loan applicant in the last three months (tax payment certificate issued by the tax bureau)

4. Business license for special places (fire permit, Business license)

Process:

1. Consultation

2. Fill in the application form

3. Submit the materials

4. Approve the loan

5. Sign the loan contract

6. Loan is successful

Tips: Please find a formal company for the loan, and there is no charge before lending!

how can an enterprise?

application conditions: the enterprise must be in continuous operation for three years; The billing turnover of the enterprise in the last six months must be above 1.5 million; Invoicing (VAT invoice), annual report for two years, monthly report for the latest month, and invoice situation for the last six months; The applicant's personal loan for the past three months should not be overdue, and the corporate debt ratio should not exceed 6~7%. \ Procedures: Appointment: Personal loan application by telephone. Interview: after receiving the application, make an appointment, and the applicant will bring relevant materials for an interview and fill in the application form. Review: review according to the information and materials submitted by the applicant. Feedback the audit results to the applicant within 1~3 working days after approval according to the procedure. Contract signing: After approval, notify the applicant to open an account with the bank and sign a contract with the bank. Lending: After signing the contract, it can be allocated to the special account opened by the applicant in the bank.