Applying for a Small Business Loan
IntermediateBusiness
A small business owner visits the bank to ask about applying for a loan, and a bank employee explains the process and required documents.
L
LinZ
ZhaoL
您好，欢迎光临，请问有什么可以帮您的吗？
nín hǎo, huānyíng guānglín, qǐngwèn yǒu shénme kěyǐ bāng nín de ma?
Hello, welcome. May I ask what I can help you with?
Z
你好，我开了一家小公司，想申请一笔贷款，不知道该怎么办。
nǐ hǎo, wǒ kāi le yī jiā xiǎo gōngsī, xiǎng shēnqǐng yī bǐ dàikuǎn, bù zhīdào gāi zěnme bàn.
Hello, I run a small company and want to apply for a loan, but I don't know how to go about it.
L
没问题，我来给您介绍一下。请问您大概想贷多少钱呢？
méi wèntí, wǒ lái gěi nín jièshào yīxià. qǐngwèn nín dàgài xiǎng dài duōshǎo qián ne?
No problem, let me explain. May I ask roughly how much you want to borrow?
Z
我打算贷五十万，主要是用来扩大生产和进货。
wǒ dǎsuàn dài wǔshí wàn, zhǔyào shì yòng lái kuòdà shēngchǎn hé jìnhuò.
I plan to borrow half a million, mainly to expand production and buy stock.
L
好的，这属于我们的中小企业经营贷款，利率还比较优惠。
hǎo de, zhè shǔyú wǒmen de zhōngxiǎo qǐyè jīngyíng dàikuǎn, lìlǜ hái bǐjiào yōuhuì.
Okay, this falls under our small and medium enterprise business loan, and the interest rate is quite favorable.
Z
那太好了。那申请这个贷款都需要准备哪些材料呢？
nà tài hǎo le. nà shēnqǐng zhège dàikuǎn dōu xūyào zhǔnbèi nǎxiē cáiliào ne?
That's great. So what documents do I need to prepare to apply for this loan?
L
首先要提供您的营业执照、公司的财务报表，还有最近半年的银行流水。
shǒuxiān yào tígōng nín de yíngyè zhízhào, gōngsī de cáiwù bàobiǎo, háiyǒu zuìjìn bàn nián de yínháng liúshuǐ.
First you need to provide your business license, the company's financial statements, and the past six months' bank statements.
Z
这些我基本上都有。那还需要提供抵押物或者担保人吗？
zhèxiē wǒ jīběn shàng dōu yǒu. nà hái xūyào tígōng dǐyāwù huòzhě dānbǎorén ma?
I basically have all of these. So do I also need to provide collateral or a guarantor?
L
如果贷款金额比较大，一般是需要抵押物的，比如房产或者设备。
rúguǒ dàikuǎn jīn'é bǐjiào dà, yìbān shì xūyào dǐyāwù de, bǐrú fángchǎn huòzhě shèbèi.
If the loan amount is fairly large, collateral is usually required, such as real estate or equipment.
Z
明白了。那从申请到放款，大概要多长时间？
míngbái le. nà cóng shēnqǐng dào fàngkuǎn, dàgài yào duō cháng shíjiān?
I see. So from application to disbursement, roughly how long does it take?
L
只要材料齐全，一般一到两周就能审批下来，然后就能放款了。
zhǐyào cáiliào qíquán, yìbān yī dào liǎng zhōu jiù néng shěnpī xiàlái, ránhòu jiù néng fàngkuǎn le.
As long as the documents are complete, it usually gets approved in one to two weeks, and then the loan can be disbursed.
Z
太谢谢您了，那我这就回去准备材料，准备好了再来办理。
tài xièxie nín le, nà wǒ zhè jiù huíqù zhǔnbèi cáiliào, zhǔnbèi hǎo le zài lái bànlǐ.
Thank you so much. Then I'll go back right now to prepare the documents, and come back to handle it once they're ready.