Small business loan requirements

What are the main loan conditions for small and micro enterprises?

1. What are the main loan conditions for small and micro enterprises? Conditions for small and micro enterprises to apply for credit loans: 1, with sufficient cash flow; 2. Small and micro business owners have good credit; 3. The enterprise has been successful for more than two years; 4. Can provide effective financial proof; 5. Small and micro enterprise owners have strong repayment willingness and the ability to repay in full and on time; 6. Established a stable cooperative relationship with banks; 7. Other conditions required by the bank. Second, the main difficulties faced by small and micro enterprises in financing at present: due to the low qualification of small and micro enterprises and the lack of mortgage guarantee, financing is difficult and expensive, which is a common problem faced by small and micro enterprises all over the world. The bottlenecks and difficulties encountered by small and micro enterprises in financing are mainly as follows: 1, the funding channels are very limited, the financing conditions of credit institutions of small and medium-sized banks are complicated, the procedures are cumbersome, the cycle is long, the financial supply services cannot keep up, and the proportion of industrial enterprises that meet the credit conditions is low; At present, listing and equity financing can only serve minority enterprises. The trading of the New Third Board and the Stock Exchange Center is not active, and the function of revitalizing assets and discovering value has not been realized. The comprehensive tax burden of New Third Board enterprises is as high as 138%. SME bills, private debt and debt financing costs are high, and the risk of default is high, and the scale of SME guarantee business is shrinking; Our company and P2P peer-to-peer lending platform serve Xiao Wei Lending Ability Co., Ltd. 2. The financing cost of micro-enterprises is relatively high. In addition to the high loan interest rate, effective collateral, guarantee fees, consulting fees, evaluation fees, loan renewal fees and other fees have also pushed up the financing costs of enterprises. Enterprises can only get loans of 30-80% of the assessed value from banks, some of which are issued in the form of acceptance bills, and the "bridge-crossing" funds for emergency turnover of enterprises need to pay high costs. Small and micro enterprises get financing from companies and P2P platforms, and the average borrowing rate is around 20%, which is much higher than the real price cost of funds. 3. Rising loans and asymmetric information restrict the micro-finance business from being affected by the slowdown of economic growth, and the high-risk financing characteristics of small and micro enterprises appear, and the non-performing loans of small and micro enterprises in banks increase. At present, the non-performing loan ratio of domestic banks and financial institutions is about 1%, and the main growth points of non-performing loans come from small and micro enterprises and some industries with overcapacity. The asymmetry of information and income risk between banks and enterprises under the traditional credit model restricts the development of microfinance business. 4. Small and micro enterprise credit products are not targeted enough. Small and micro enterprises have more restrictive credit products, less personalized and differentiated credit products, more liquid loans in support direction and less constructive loans; In the way of risk control, there are more mortgage loans and less credit loans; In terms of loan term, there are many one-year loans and few ultra-short-term and long-term loans, which is difficult to meet the short, small, frequent and urgent financing needs of small and micro enterprises; The acceptance bills drawn by banks have lengthened the payment cycle of enterprises and aggravated the problems. Financial product innovation of small and micro enterprises needs to be strengthened. Banks are willing to lend to small and micro enterprises. Of course, it is also necessary to evaluate the ability of small and micro enterprises to repay loans. Applying for bank loans is the most important financing method for most small and micro enterprises. However, there are many small and micro enterprises in the market, but few can really gain a foothold in the fierce competition environment. If we can establish a stable cooperative relationship with the bank, it will certainly be of great benefit to the loan.

What are the conditions for small business loans?

Small business loan application conditions:

1. 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 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.

Loan application materials:

1. Original and copy of business license; Enterprise name and business address (province, city and county);

2. Original and photocopy of organization code certificate;

3. Original and photocopy of tax certificate;

4. A copy of the account opening permit;

5. Copy of the loan card and password (or copy of the query result of the loan card);

6. A copy of the original ID card of the legal representative; Work experience (work experience and position) of the legal representative;

7. Legal person's employment certificate and legal person's resume; The power of attorney of the authorized agent and the original and photocopy of the agent's ID card;

8. Ownership structure (shareholder name, shareholder proportion), registered capital of the enterprise, time of establishment, net assets and total assets of the enterprise (ten thousand yuan);

9. A copy of the Articles of Association; Introduction of the company's business development (mainly explaining the business development mode, settlement mode and the competitiveness of products in technical quality);

10. Copy of capital verification report; The audited financial statements of the company in the last three years (including complete notes) and the financial statements in the last three months;

1 1. Property area, purchase value (ten thousand yuan) and location of the property (province, city and county);

12. The most important equipment name, the most important equipment quantity, the most important inventory name and the most important inventory quantity;

13. Accounts receivable (ten thousand yuan);

14. Total bank loans (ten thousand yuan) and other loans (ten thousand yuan);

15. Total loan amount (ten thousand yuan), project purpose and feasibility report;

16. Guarantees that can be provided (proof of ownership of residential mortgage, store mortgage, industrial plant, enterprise guarantee, inventory pledge, accounts receivable pledge, etc.). ); Counter-guarantee measures to be provided;

Loan application;

18. The resolution of the shareholders' meeting or the resolution of the partners' meeting when the enterprise decides to apply for loan guarantee;

19. Original and photocopy of the production and operation license for special industries;

20. basic account Bank.

Standards for small businesses:

The standard of small enterprises is generally that the number of employees is below 500 or the annual sales of enterprises is below 654.38+million yuan;

The standard for dealing with small enterprises is that the number of employees is less than 300 or the annual sales of enterprises is less than 30 million yuan or the total assets of enterprises are less than 40 million yuan;

The standard of small wholesale enterprises in small circulation enterprises is that the number of employees is below 100 or the annual sales of enterprises is below 30 million yuan;

The standard of retail small enterprises is that the number of employees is below 100 or the annual sales of enterprises is below100000 yuan;

The standard of small transport enterprises is that the number of employees is less than 500 or the annual sales of enterprises is less than 30 million yuan;

The standard of small storage enterprises is that the number of employees is below 100 or the annual sales of enterprises is below1000 yuan.

As long as one of the above-mentioned standards of the number of employees or annual sales (total assets of the enterprise) is reached, it can be identified as a small enterprise.

What are the loan conditions for small and micro enterprises and what are the ways?

1, which shall conform to the national industry and industrial policies, and shall not belong to high pollution and high energy consumption enterprises;

2. The enterprise has a good reputation in all kinds of commercial banks and has no bad reputation 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, a formal organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;

5. Have the ability to perform contracts and repay debts, have a good willingness to repay, 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 (including 2 years), there is at least one financial statement in the fiscal year, the sales revenue has increased for two consecutive years, and the gross profit is positive.

Second, small and micro enterprise loan channels

1, mortgage loan

General mortgage property to apply for a loan from the bank. Collateral is usually the real estate or factory building under the name of the enterprise, and the loan amount can generally reach about 70% of the real estate assessment value. The bank's approval and lending process is faster. The general cycle is about one month. The loan term is 1-5 years.

2. Credit loan

That is, enterprises can obtain bank loans by relying on their operating ability and credit without providing collateral. In this enterprise credit loans way, the bank's audit conditions will be more stringent. The loan term is also long, and the loan term is 1-3 years.

3. Joint guarantee of merchants

Merchant joint guarantee is also a loan method. But the loan amount is not high. Merchant joint guarantee is a joint guarantee group composed of three individual industrial and commercial households or sole proprietorship owners with business licenses. They can apply for a loan from the bank without other guarantees. Generally speaking, each merchant can borrow 6,543,800 yuan (200,000 yuan in some areas), and the loan period is 654.38+ 0-3 years.

Extended data:

In order to further alleviate the financing difficulties of small and micro enterprises, the the State Council executive meeting held on June 20th put forward five specific measures:

First, increase the amount of refinancing and rediscounting to support small and micro enterprises and "agriculture, rural areas and farmers" and reduce the interest rate of small and medium-sized refinancing. Improve the assessment mechanism, and realize that the year-on-year growth rate of small and micro enterprise loans with a total credit of 6.5438 billion yuan or less per household is higher than that of various loans, and the number of households with loan balances is higher than that of the same period of last year.

2. From September this year 1 to the end of 2020, qualified small and micro enterprises and individual industrial and commercial households will be exempted from value-added tax, and the upper limit of credit line will be raised from 1 10,000 yuan to 5 million yuan.

The amount of guarantee provided by the national financing guarantee fund to support the financing of small and micro enterprises is not less than 80%, of which the amount of guarantee provided to support a single small and micro enterprise loan with a credit of 5 million yuan or less and the operating loan of individual industrial and commercial households and small and micro enterprises is not less than 50%.

Three, it is forbidden for financial institutions to charge commitment fees and fund management fees for loans to small and micro enterprises, and to reduce or exempt additional financing fees.

Fourth, support banks to explore the small and micro enterprise market, use monetary policy tools such as targeted cuts to required reserve ratios to enhance the supply capacity of small and micro credit, and accelerate the landing of signed debt-to-equity swap projects. Encourage banks that have not set up inclusive finance business department to set up community and small and micro branches.

V. Incorporate a single small and micro enterprise loan with a credit of 5 million yuan or less into the scope of qualified collateral for medium-term lending facilities.