Lending to legal entities is one of the main income items of any bank. Therefore, it is quite natural that banks offer their clients various lending programs, attracting them in every possible way. Often, legal entities take loans for the purchase of equipment, real estate, replenishment of working capital, less often - for opening a business.
Instructions
Step 1
If you want to take out a bank loan for a company, then, first of all, you should choose a credit institution. It can be a bank where you have a current account and turnovers, or another organization offering more favorable credit terms. The advantage of the first option may be that banks sometimes provide their clients with preferential lending terms.
Step 2
As soon as you decide on the choice of the bank, contact the loan officer with the application. In addition to the application, your company needs to submit the following package of documents:
- the financial statements of the organization, which must include a balance sheet and a profit and loss statement, as well as other forms, if their maintenance at the enterprise is provided for by law;
- decoding of accounts payable and receivable;
- certificate of loans and borrowings received from other credit institutions;
- certificate of turnover on current accounts;
- a certificate from the tax inspectorate about the absence of debts to the budget;
- an extract from the unified state register of legal entities and other documents at the request of the bank.
Step 3
In addition, you will have to submit the legal documents of the company, including constituent documents, documents confirming the powers of the head, a certificate of state registration, a certificate of registration with a tax authority, a certificate of registration in the Unified State Register of Legal Entities, licenses, if the activities carried out by the company are subject to licensing.
Step 4
After you submit all the necessary documents, the bank will check the creditworthiness and reliability of your company. You will need to provide the bank with collateral. It can be a pledge of property, rights of claim, surety of another legal entity, municipal or state guarantee.
Step 5
After analyzing the creditworthiness, evaluating the collateral or surety and determining the level of risk, the bank will make a decision on the possibility of lending to your company. You just have to sign a loan agreement, which will contain the specified basic parameters of lending: interest rate, term and purpose of the loan, the procedure for making payments.
