Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. So, how do enterprises borrow money from banks?

How do enterprises borrow money from banks?

1. Enterprises apply for working capital loans from banks, and provide relevant materials of enterprises and guarantors when necessary.

2. Sign loan contracts and related guarantee contracts. After the enterprise's loan application is approved by the bank, the bank and the enterprise need to sign all relevant legal documents.

3. Implement the guarantee according to the agreed conditions and improve the guarantee procedures. If the enterprise is required to provide guarantee according to the bank's approval conditions and the signed guarantee contract, it is necessary to further implement specific guarantee measures such as third-party guarantee, mortgage and pledge, and complete relevant guarantee procedures such as mortgage registration and pledge delivery (or registration). If you need notarization, you also need to perform notarization procedures.

4. Issue loans. After all the formalities are completed, the bank will issue loans to the enterprise in time, and the enterprise can reasonably control the loan funds according to the loan purpose agreed in advance.

What conditions do enterprises need to borrow from banks?

First and foremost, look at your company's operating conditions, that is, its financial strength. A good financial statement is very useful. You have to find a way to convince the bank that you are profitable at present and will be profitable in the future.

Secondly, we will also focus on the purpose and duration of the loan to see if the project you borrowed can be profitable, that is, the company's future profitability. To put it bluntly, it is to see whether the loan can be safely recovered after the specified time.

Third, it is necessary to have certain self-owned funds and collateral (to be evaluated by the evaluation company). If we can find a strong guarantor, the loan will be easy. These are just general requirements. The specific requirements of each bank are not very consistent. Need to make initial contact with the bank to see if it meets the requirements of bank loans after the bank credit rating.

What are the financing strategies for SMEs?

1, pursuing rationality in the amount of funds. For small and medium-sized enterprises, the purpose of financing is to directly guarantee the funds needed for production and operation. Insufficient funds will affect the development of production, while excess funds will also lead to the reduction and waste of funds. Due to the difficulty in financing small and medium-sized enterprises, operators are often prone to make the mistake of "more Han Xinbing, the more the better" when encountering a relatively relaxed financing environment. If the raised funds are used unreasonably or are not really needed, then good things will turn into bad things, and enterprises may bear a heavy debt burden, which will affect the subsequent financing ability and profitability.

2, the pursuit of efficiency in the use of funds. Small and medium-sized enterprises do not have as many choices as large enterprises in financing channels and methods, but this does not mean that they can only "be hungry for food". On the contrary, small and medium-sized enterprises, because of their weak ability to resist risks and difficulties in financing, should weigh each sum of funds well, comprehensively consider business needs and capital costs, financing risks, investment returns and many other factors, and must analyze the relationship between capital costs and investment returns in combination with the source and investment of funds to avoid making mistakes.

3. Pursuing the matching of capital structure. The use of funds by small and medium-sized enterprises determines the type and quantity of financing. According to the principle of structural matching, it is appropriate for small and medium-sized enterprises to raise funds for fixed assets and permanent current assets by medium and long-term financing; Due to seasonal, cyclical and random factors, it is appropriate to focus on short-term financing.

4. In terms of capital operation, we pay more attention to stock financing while pursuing incremental financing. Incremental financing refers to increasing the total amount of funds in quantity to meet the needs of production and operation; Stock financing refers to avoiding unreasonable use of funds and improving the use effect of unit funds by adjusting the structure and acceleration of capital occupation without increasing the total amount of funds, so as to meet the expanding production and operation needs of small and medium-sized enterprises.

What is the whole process of enterprise loan?

What is the whole process of enterprise loan? How to handle enterprise loans? Let's take a look together.

1. What are the application conditions for enterprise loans?

1. An enterprise must first obtain a business license approved by the industrial and commercial department.

2. Enterprises need to be able to independently engage in production, commodity circulation or other activities, and at the same time be able to independently account for economic income and be responsible for their own profits and losses.

3, enterprises must have independent operating funds and financial plans, accounting statements, can rely on their own income to make up for expenses, and have an independent foreign purchase and sale contract.

4. The enterprise must have certain self-owned funds and need to open an independent account in the bank; The products we handle need to have a certain market.

2. What materials do enterprises need to prepare to apply for corporate loans?

1. Enterprises applying for enterprise loans need to provide business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.

2. When applying for corporate loans, enterprises need to provide annual reports for the last three years, financial statements for the last three months and corporate bills for the last six months.

3. When applying for enterprise loans, enterprises need to provide business premises lease contracts, proof of rent payment, and water and electricity charges for the past three months.

4. When applying for enterprise loans, enterprises need to provide all kinds of tax forms and signed purchase and sale contracts (if any) in the past six months.

5. Enterprises applying for enterprise loans need to provide proof of assets under the name of the enterprise.

3. What is the process for enterprises to apply for corporate loans?

1. Enterprises need to apply for loans from banks and provide relevant materials.

2. After the enterprise obtains the loan qualification, it needs to sign loan contracts and guarantee contracts with banks and guarantors.

3. After completing the loan procedures, the enterprise still has to go through the loan procedures according to the procedures. After all the formalities are completed, the bank will transfer the enterprise loan to the account opened by the enterprise.

4. After the enterprise gets the enterprise loan, it needs to allocate the enterprise loan according to the contract funds, and at the same time, it needs to repay the loan principal and interest on time.

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What are the procedures and conditions for enterprise loans?

Enterprise loan requirements: 1. It 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.

The process of enterprise loan: (1) application: the enterprise applies for loan guarantee; (2) inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee; (3) Communication: communicate with the loan bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank; (4) Guarantee: clarify the legal procedures such as loan guarantee and counter-guarantee agreement, asset mortgage and registration with the enterprise, sign a guarantee contract with the loan bank, and formally establish a guarantee relationship with the bank and enterprise; (5) Lending: banks issue loans to enterprises on the basis of reviewing loan guarantees, and at the same time charge guarantee fees to enterprises; (6) Tracking: Tracking the loan usage and operation of enterprises, and directly tracking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.

The Civil Code stipulates that a guarantor must have certain qualifications, and state organs, schools, kindergartens, hospitals and other public welfare institutions and social organizations may not act as guarantors. But in practice, some loans are guaranteed by some state organs. As the expenditure of state organs and institutions depends on financial allocation, the unit has no right to dispose of its own assets, in fact, this guarantee becomes invalid.

How to use company loans

If the enterprise wants to borrow money, it can handle it through banks or other financial institutions. The specific loan method is: 1. First, confirm the required loan amount, and then submit a loan application to a bank or other financial institution; 2. It is necessary to prepare basic enterprise information, financial statements and loan information required by banks or other financial institutions, and then submit them to banks/institutions for review; 3. If approved, a loan contract can be signed, and repayment can be made according to the contract after the next payment. Judicial Interpretation of the Supreme People's Government on Private Lending Article 3 If the borrower and the lender have not agreed on the place of performance of the contract, or the agreement is unclear, and no supplementary agreement is reached afterwards, and it cannot be determined according to the relevant provisions of the contract or trading habits, the place of performance of the contract shall be the place where the money recipient is located.

How to apply for a corporate loan?

① Customer groups: limited companies or wholly-owned enterprises aged 24-65 who have been established for more than 6 months and have complete three certificates.

company representative

(2) Income requirements: the monthly income is more than 30,000 yuan, and it is necessary to provide personal or company running water in the past six months.

③ Credit status: no bad default record.

④ Other conditions: local real estate.

⑤ Other restrictions: entertainment, steel trade and other high-risk industries are not allowed to enter.

First, the enterprise loan application materials (legal person)

① Business license (original and photocopy) that has passed the annual inspection.

② Valid identity documents of the legal representative and spouse.

(3) The financial statements and bank accounts are flowing.

④ Collateral ownership certificate

⑤ Other materials required for handling loans.

2. Enterprise loan refers to a loan granted by an enterprise to a bank or other financial institution in accordance with the prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.

Third, credit loans.

Credit loan refers to a loan issued by a bank with the borrower's reputation, and the borrower does not need to provide guarantee.

According to the loan term, it is divided into 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).

Four. fixed assets

Fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects.

According to the purpose of the loan, it is divided into capital construction loans and technical transformation loans:

1. Capital construction loan: refers to the medium and long-term loan approved by the competent department for capital construction projects. Capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects and restoration and reconstruction projects.

2. Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.

How does the company borrow money?

After meeting the loan conditions proposed by the bank, you can go to the bank to apply for corporate loans. The borrower needs to explain the loan demand to the staff at the business outlets, and the staff will find a credit manager to connect with the borrower to discuss the specific loan process, loan amount, loan variety, loan interest rate and loan term.

Enterprise loan application conditions:

1. conforms to the definition standard of small and medium-sized enterprises in the credit policy of the lending bank.

2. Continuous operation 1 year.

3. Strong repayment willingness and repayment ability, no bad credit record and no litigation.

4. Open a basic settlement account or a general settlement account in a loan bank, and have a stable sales return or promise to collect sales income from the loan bank.

5. Meet other requirements of the lending bank.

If the loan is used for a project, in addition to providing basic information, production, operation and financial information, the loan enterprise shall also provide the following project information:

1, for projects invested by the government, provide approval documents for the approval of the competent authorities; For projects requiring government approval, provide the approval documents of the competent department; If it is necessary to provide a feasibility study report, provide a feasibility study report and approval documents issued by a qualified institution; For investment projects that need to be approved by the competent authorities, the approval documents of the competent authorities shall be provided.

2. Guarantee related materials and other materials.