What is a business loan A business loan is money that you borrow from a 中小企貸款bank for the development of your business. The loan with the lowest amount of interest rate is currently available in the market with a very low interest rate. Because the state wants to support business development and protect employment, this kind of loan is usually subsidized by the state to the bank, so the interest rate is very low. Many enterprises are facing the problem of difficult and expensive financing. Although the government has introduced many policies to support the development of enterprises, it is important to choose the most suitable loan method. What are the ways and loan company products for私人貸款利息 enterprises to make loans First, corporate credit loans Business to carry out credit bank loan company is a 延期年金loan issued on the creditworthiness of a business, the borrowing enterprise can be without the development of learning to provide any guarantee. This approach is characterized by the fact that the business for the debtor does not require us to provide collateral or third-party guarantees, and can pass through to obtain a loan based solely on its own creditworthiness, with the borrower's creditworthiness as a guarantee of repayment. Since the loan does not require collateral from the enterprise, our bank also requires the enterprise to provide the loan to meet the following requirements. The minimum period of time for the establishment of the business, the minimum period of time for the establishment of the loan company is more than six months, the bank may take longer; 2. normal operation of the enterprise, the need to provide information on the flow of water, financial statements, engineering contracts, etc. of the enterprise. 3. the enterprise has fixed assets to operate the premises, the financing lease contract, proof of payment for utilities, etc. must be provided 4. the enterprise has a good reputation, no tax evasion or tax failure records. 5. The debt shall not be too high. Second, enterprise mortgage business loans Enterprise mortgage business loan refers to the property or equipment mortgage to the bank, giving you a credit line of 5-10 years, interest is generally 3.2-5.5, first charge and then repay the principal, basically, branches of more than 20 million yuan are subject to the approval of the head office, 10 million yuan to 20 million yuan branches can be approved more. Enterprise tax loan According to the enterprise 1-2 years of taxation, the bank gives you credit, the interest rate is generally between 3.2-5.5 miles per month, there is the first interest after the principal, there is also the second interest after the principal, there are equal amounts of interest, and equal amounts of principal and interest. The maximum loan amount of banks in the market now exceeds $2 million, and you can apply for multiple banks. IV. Business invoice loan "Invoice loan" refers to the loan business based on invoices. The data in the tax control panel used by the enterprise for invoicing is collected and then used as the data basis for determining the loan amount. Enterprises provide commercial invoices as the basis for credit, and then apply for credit loans. Enterprises registered for one year can apply for an annual invoice of 100,000 yuan or more, with an amount of 100,000-5 million yuan, with interest paid first and then principal repaid or equal principal and interest, at an annualized rate of 3.9-9.6%. Can be operated remotely with no upfront fees. Limits may be 10%-50% of the invoice limit and 5-10 times the tax amount. Related article reading: How does a business get a loan from a bank?
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