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如何获得商业贷款?

大多数小企业迟早都需要知道如何获得商业贷款,无论是为创业公司获得营运资金还是为扩张提供资金。但无论你是在向银行或朋友寻求商业贷款,贷款人都会有同样的期望。那么如何获得商业贷款呢?

通过准备满足这些期望,您可以大大增加成功获得贷款的机会。

如果有人要求您提供小额商业贷款,您可能想知道他或她想要这笔钱的具体原因以及他或她按时全额偿还贷款的可能性。这就是你必须要做的。

如何获得商业贷款?准备。

1)检查/确定您的信用评级。

了解虽然您正在寻求商业贷款,但您的个人财务状况也将受到审查 – 特别是您的信用评分和您的债务与收入,这应该不超过您每月总收入的33%。

如果您要从传统银行或通过政府计划获得商业贷款,您需要获得良好的信用评级。因此,最好先查看您的信用报告,以了解您的潜在贷方在看到它时会看到什么。

您收到的信用报告将包含有关在报告中发现错误时该怎么做的信息。如果您的信用评级不佳,您将需要采取措施  修复您的信用评级,  然后再尝试获得商业贷款。

(您没有必要在小企业贷款申请中包含信用报告;潜在贷方很容易检查您的信用评级。)

如果您是没有信用评级的人,您需要先建立一个,然后才能获得小额贷款。基本上,您通过信贷  购买并偿还欠款来建立  信用评级。您的贷款还款记录在确定您的信用评级中起着重要作用,但您所有的“信用”交易构成了用于确定您的信用评级的历史记录。

如果您已经建立了业务(业务两年或更长时间),您还应该检查您的业务信用评分,并确保您的报告没有错误。

2)确保您的现金流量正在流动。

投资者希望看到健康的经营现金流利润率 – 而且越健康越好。对他们而言,您的现金流量是您偿还贷款能力的最佳指标。因此,如果您的现金流量贫乏或更糟,窒息,您需要在申请小额商业贷款之前对其进行排序。

3)收集有助于说服贷款人必须提供商业贷款并且风险很大的文件。

需要的文件

  • 商业计划书 – 商业计划书不仅向贷款人显示您希望获得小额商业贷款的原因,还要表明您计划如何处理这笔钱。还没有吗?这是您可以使用的简单商业计划模板
  • 现金流量预测 – 任何贷款人的首要问题是什么?你能偿还贷款吗?您的企业的现金流量预测为贷方提供了可用于评估此风险的具体财务数据。
  • 您的个人财务状况声明 – 您的个人资产和债务清单,为贷方提供更全面的财务状况。

您可能还需要这些文件:

  • 过去的营业税申报表 – 如果您的企业已经建立并且您有过去的营业税申报表,那么随身携带它们是个好主意。他们会让贷方更好地了解您的业务在财务方面的表现。

4)向贷方提交演示文稿

如何获得商业贷款的下一步是说服贷方,您的企业是可行的,并且您是一个良好的信用风险。您需要提前做好准备以获得贷款。

首先考虑贷款人的观点。你想要钱。但他或她对这两个问题的答案最感兴趣:“你打算怎么处理这笔钱?” 并且“你是一个好风险吗?”,要成功举办商业贷款演示,你需要对这两个问题提出“正确”的答案。

回答第一个问题意味着完全熟悉您的业务计划的所有细节,并能够指出相关的财务报表,图表,这将有助于说服贷方,您需要的金额你想做什么。

回答第二个问题意味着已经考虑过您对贷方所代表的信用风险并准备好解决他们的担忧。

要获得小额商业贷款,请准备好告诉您的潜在贷款人:

  • 您拥有哪些抵押品 – 抵押品是指您愿意为确保贷款而提供的有形资产。这些资产可能是设备,房屋,汽车 – 您拥有的有价值的东西。如果您未能偿还贷款,那么出售资产的收益将用于偿还。
  • 你个人愿意为这项业务投入多少资金 – 愿意冒着自己的钱冒险向贷方表明你对企业的承诺。
  • 您在所选领域的专业知识和/或经验 – 因为您的业务成功在某种程度上依赖于此,任何潜在的贷方都希望了解您的更多信息。当您申请小企业贷款时,请准备好谈谈自己 – 您的背景,专业知识,甚至您的愿望。

如何获得商业贷款?做好准备

如果您按顺序提交所有文件并准备好减轻贷款人关于借钱的担忧,那么获得商业贷款的机会将大大提高。将其视为对重要客户的演示,您将获得更好的成功机会。

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