1. Can you apply: Not all enterprises are qualified to apply for enterprise loans, which is related to many factors. Don't think of enterprise loans as too simple. Whether you can apply for and whether the application is successful has a lot to do with the future development of the enterprise, current operating conditions, liabilities, credit records, and the value of collateral. If the enterprise goes to financial institutions to learn about the situation, As long as you are a professional credit manager, according to the interview and the information prepared by the enterprise, you can complete the preliminary review to determine whether the enterprise is qualified to apply for a loan. So if you need it, you'd better consult the staff of the institution.
2. Credit line: The credit line of enterprise loans is generally high, which is related to the value of the collateral, the operation of the enterprise, and the qualification of the legal person. Banks will also make use of their networking advantages to comprehensively investigate and understand the situation of enterprises through industrial and commercial, credit investigation, loan card, law enforcement and other systems. Before applying for a loan, enterprise representatives should carefully understand the credit line range of the loan product to see if it is within their own needs.
3. Loan granting time: different enterprises have different loan granting times. Generally speaking, enterprise loans handled on the Internet can be received in a few working days, while financial institutions can handle business, including the time for data preparation, and the period is about 10-15 days. The loan granting period needs to consider the mortgage registration time in different regions. After completing the mortgage registration procedures, loans can be made.