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Sometime when we need a lot cash money and our bank account is empty, we need to apply bank loans. But for some people who have bad credit or  doesn’t have guarantee, they will have difficulty in applying loan or credit. Here are some tips to apply credit or loans in Bank,.

First we must understand first that any bank is open for everyone to become customers. Because the banks are basically too? Sell commodities? the money that has the will to? bought? by the community. Income derived one bank of credit interest so that more banks to channel more credit then the banks are getting results in the form of interest. With credit record is not bad of course. So easy, more and more customers means that the bank sells.

So for us as a society that requires a bank, we should begin everything with intention. A straight intention to deal with the bank will be proportional to the process that will pass and the results will be achieved.

Business Prospects
Our efforts will be seen by the bank whether it would be a prospective business or not. How far these efforts will achieve continuity in the days to come because of the long span of time our business will be run will get a positive assessment and the extent that we make the products we sell or required by the public or at least affect the survival of society area and of course our efforts to get lucky. Easily age of our efforts will be short-lived or not and how we run it with the orderly or not, and fortunately or not? If all the answer is no, I’m sure the bank will reject it.

Character Client
Our people, as potential borrowers credit recipients will not escape from the bank appraisal. Character of a person can be for some banks will be a top priority for review. Good intentions to run a business, using the funds as intended and in good faith to restore the funds and pay interest and pay the costs specified is to have its own value. And do not forget that those banks that have relationships with customers (relationship management team) has provided a variety of knowledge to assess the characteristics of people.

Business legality
As a citizen, in running a business we are also required to have a variety of licenses. In this country various forms of business have different types of licenses, issued by different agencies as well. Also distinguished between individual companies and companies that have good business entities that are legal entities or not. That are legal entities such as PT, Cooperative and Foundation. And not legal entities such as firms and CV, which also have different rules with individual companies. Said the house for more legal access to though banks could be easier.

Customer Financial Reports
The image of our companies will also be seen by the bank. Usually, in addition to see directly (on the spot), the bank also saw the Financial Report. The financial statements were simply no 3, the Income Statement which describes the company’s profits, which describes the balance of assets and financial position, including describing the source of funds and expenditures, and Statements of Changes in Equity is to see how much capital we have added (progress) in the period one period. These financial statements are usually made annually and requested the last 2 years. There are also banks that process the moment we are asking for the current year’s financial statements depends on how many months into the year we apply for credit. Of course this report there are also classes, for a small company with just a simple accounting method so that the bank’s neat to read and analyze. Since for small and medium companies are probably not able to finance reports made by an accountant. Unless that applying for a loan to the above 5 M must be audited by a public accountant.

Transaction Evidence
Oh yes, if banks want to see evidence of the transaction operations, do not hesitate to give it. Banks will keep our company secrets kok. This fact would support if the company is run correctly. Examples of evidence usually notes, receipts, receipts, invoices, letters roads, mail delivery if it is evidence of such transactions. Surely every company has a proof different for each other has a different transaction.

Savings Analysis
So the bank customers who want to get credit, we also must begin with a good first deposit savings or current accounts. This is important for banks to look at cash flow and velocity of money and simultaneously be used as evidence of the operation company and proof of transaction. (Thank gratitude evidence and proof of sale shopping can be portrayed well in this newspaper account). Language bank mutations. Here most of the general population is still common. What is important? Round?. The more frequent mutation debit and credit passing by in a checking account or savings book, the company’s operations or have considered running a good activity. Banks have their own assessment of these factors as a basis for business analysis. Banks usually ask for a transaction last 3 months as a material to analyze.

Collateral (Guarantee Credit)
Well that must also have a credit guarantee. Usually in the form of land. I think this time the banks do not want vacant land such as gardens or fields. Received assurance that there is usually ground buildings such as houses, warehouses, or factories that have more value.

The Bank Relationship Management Team
Currently the bank has a relationship management team that guides customers to get a variety of banking facilities in accordance with their proportion. They are very willing to guide us to be a customer credit. At first I tried to come to the bank not just deposit the funds, but in terms of financial consulting to the team had to give us a business prospect that potential. They will provide the best path in accordance with the existing service facilities on the bank.

Choosing Bank
Choosing a bank may also need to be determined by the customer. Many banks now advertise themselves in accordance with the targeted segment. Well, we need to read and judge from that ad, then learn, consult and then we determine which bank is easier and profitable.

Comrade, it may seem complicated apply for credit for business capital. But if it is done, the difficulty is not written like this. Similarly, if it look easy, does also not as easy as I described. I suggest to start with the process. I’m sure if we have a prospective business and good business conditions and run in accordance with the rules and have good collateral, banks will not be cheap even the bank itself would come to our side. Banks also want to add customers and make profits and we as a society also wants to grow the business and more profit.