Small and micro enterprise mortgage

How to get a loan for small and medium-sized enterprises

First: the small and medium-sized enterprises submit a loan request to the credit department of the bank, and produce the enterprise credit certificate and relevant information that can be used as a guarantee, such as the company's current water and tax payment certificate.

Second: sign a loan contract with the bank and the related guarantee contract. After the loan application is approved by the bank, the bank and the enterprise need to sign all the relevant legal documents.

Thirdly, the guarantee procedures should be carried out in accordance with the conditions agreed in the contract.

Fourth: issue the loan. After all the formalities have been completed, the bank will issue the loan to the enterprise as soon as possible, and the enterprise will be able to dispose of the loan funds in accordance with the pre-agreed purpose.

At the same time, we should also pay attention to the following issues:

First: choose the right bank. As the bank to the microenterprise loan interest is very low and very high risk, high rate of bad debt. Insufficient repayment ability of small and medium-sized enterprises is a major concern, so most of the banks for small and medium-sized enterprises have a bad impression of low trust, part of the bank is generally more difficult to loan out, while some banks prefer small and medium-sized enterprises, so the loan is very important to choose a suitable bank, not only to save a lot of time and energy and lending amount is also a world of difference.

Second: choose the right credit varieties. Because most of the small and micro-enterprise product orders, inventory, sales are not fixed, there is no complete flow of capital chain, and the lack of effective and valuable collateral, and the traditional loan are inclined to conservative, so in the approval of the loan amount, and the repayment of the constraints of the small and micro-enterprises are difficult to meet the urgent need for money. At this point, the choice of appropriate credit varieties is particularly important, credit cards, electric loans whole loan is tailored for small and medium-sized enterprises.

Third: common lending channels

1. Mortgage

Generally mortgage property to the bank to the bank to borrow, collateral is usually the enterprise's machinery or plant, the loan amount can generally reach the appraisal value of the seventy percent of the bank's approval and the process of disbursement of funds faster. The general approval and disbursement cycle is one month. The loan period is one to five years.

2. Credit loan

That is, the enterprise is not applicable to mortgage loans, in the case of not providing collateral, by virtue of the enterprise's ability to operate and credit to obtain bank loans. This kind of business credit loan method, the bank's audit conditions will be more strict. The loan cycle is also longer, with a loan period of 1-3 years.

3. The merchant loan is also a kind of loan method. But the loan amount is not high. The business is three business license holders of individual business or sole proprietor to form a joint insurance group, without other guarantees, you can apply for a loan from the bank. In general, each merchant can borrow 100,000 yuan (200,000 yuan in some areas), and the loan period is 1-3 years.

What are the requirements for a microenterprise loan?

I. Conditions:

1, funds cash flow

2, small and micro-enterprise owners with good credit

3, the business has been successful for more than two years

4, able to provide effective proof of financial strength

5, small and micro-enterprise owners have a strong willingness to repay and the ability to repay in full and on time

6. Other conditions required by the bank

Second, according to the term of the loan is divided into: short-term loans, medium-term loans and long-term loans

1, short-term loans: refers to the loan term of 1 year (including) or less

2, medium-term loans: refers to the loan term of 1 year (excluding) to 5 years (including)

3, long-term loans: refers to the loan term of 5 years (including) or less

3, long-term loans: refers to the loan term of 5 years (including) or less

5. The term of the loan is more than 5 years (inclusive)

Expanded information:

Enterprise loans can be divided into: working capital loans, fixed asset loans, credit loans, guaranteed loans, etc.

I. The process of applying for a credit loan for a small micro-enterprise:

1, make an application

3 Repayment source analysis plan and measures, and make monthly cash flow analysis on the repayment of the financial arrangements.

④Collateral, other relevant legal documents, letters and telegrams, etc.

2, review

①Project

②Credit assessment

③Feasibility analysis

④Comprehensive judgment

⑤Pre-credit review

3, signing the contract if the bank review of the loan application, that all of its comply with the regulations and agree to lend, it should sign the Lending Contract with the lender

4, Loan Disbursement

After the signing of the contract, both parties verify the loan in accordance with the provisions of the contract. The financier can then proceed with the withdrawal procedures according to the contract: the withdrawal is made by the financier to fill in the withdrawal voucher formulated by the bank in a unified manner, and then go to the bank for withdrawal procedures