Many enterprises will encounter difficulties in the development process, which also leads to difficulties in the development of enterprises in a certain period of time. At this time, many enterprises will choose to borrow money from banks to solve the current difficulties. So, what are the ways that enterprises can choose?

First, the loan channels that enterprises can choose.

1, mortgage loan

At present, this way of borrowing money is the most common way. When an enterprise handles this business, the collateral will generally be the house or factory under its name, and the loanable amount is 70% of the real estate appraisal value. It takes about a month from application to getting the money. The loan term is one to five years, and the interest rate rises by about 20% to 30%.

2. Credit loan

Credit loans, that is, loans are obtained only through their own business ability and credit status without providing collateral. When lending in this way, the requirements of banks will be higher, and there are certain regulations on the average daily flow of enterprises applying for loans.

3. Joint guarantee of merchants

Merchant joint guarantee is another way that enterprises can use. The disadvantage is that you can't borrow much money. Nevertheless, this method is still very popular. When you borrow money from the bank in this way, you don't need other guarantees. Generally speaking, when lending to banks, the amount that each merchant can borrow is temporarily within the range of100000, but some cities can borrow up to 200000.

Second, the loan terms.

Generally speaking, the most important conditions for a successful loan are good credit, relatively stable operation, documents and materials in compliance with relevant regulations, or other requirements of the bank before handling business.

When it comes to borrowing money to tide over the difficulties, enterprises must have a certain understanding of this aspect before applying for this kind of business, because only in this way can they find the most suitable way for themselves.

Second, how to borrow loans from small businesses, and what are the ways and means?

Generally speaking, SME loans are divided into mortgage loans and mortgage loans. What are the specific channels?

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

At present, there are 3 1 provinces and cities in China, and 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.

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Sheng Jie Investment Management (Beijing) Co., Ltd. specializes in providing various services.