1, prepare good materials. Want to complete the loan, first must be able to do the work in the preparation of the data, after all, banks for small-scale enterprises in the audit of the degree of rigor is often very high. Including application reports, company profiles and legal person business license, the company’s articles of association as well as the legal representative of the ID card copy, loan card and financial statements in recent years, a series of materials need to be prepared.
3, the timing of the loan needs to be mastered. With the development of capital market, banks in many cities begin to pay attention to the investment of small and micro enterprises. In other words, the current financial environment is actually suitable for small and micro enterprises to finance loans.
2, actively cooperate with the bank’s review. When the audit of bank loans, Small and micro businesses to actively cooperate with the degree of information, the more detailed review process for the enterprise to understand that the bank will be more clear, such loans could get more chance. In general, managers of all project departments need to accompany the banking examiner’s work throughout the process.
Small and medium-sized enterprises to apply for loans is often because the turnover of funds, or start-up capital demand is too large, so understand the precautions for loans of small and medium-sized enterprises which helps to improve the efficiency of the application by the.
In addition Small and micro businesses in the usual production if we can pay attention to improve the corporate governance structure, capital flows and standardized management of the enterprise, it can enhance the corporate image and soft power, improve the chances of passing the examination.
In the enterprise just started, has not yet had the perfect fund to obtain the channel time. This makes small and micro enterprises often need to borrow the way to spend the lack of funds difficulties, then the above content will be very useful to you.
And if the real estate can be mortgaged, it also needs to provide real estate warrants and relevant value assessment reports.
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