The start-up loan not only requires the applicant to meet certain expectations for the start-up project, but also requires the applicant to be able to provide at least one public official ' s guarantee. Their application is several times more difficult than the average loan. What kind of preparatory work can we do before applying for an individual start-up loan in order to be able to apply more smoothly?

I. Understanding avenues and avenues for individual entrepreneurship lending

What are the channels and channels of credit? What are the channels and avenues for individual entrepreneurship?

1. Individual bank loans. In the case of an individual start-up loan, guarantees and collateral are required, as can be seen from the name of the individual start-up guarantee loan。

2. The Government may also apply for a start-up loan. This requires entrepreneurs to pay more attention to local government policy messages, with different levels of support in different regions。

3. The applicant may also opt for a loan, may finance it and may directly seek out a partner. There is also more to be involved in, and more to be prepared for, partnerships。

4. The applicant ' s search for investment is also a way of financing loans. However, it should be more difficult for an individual to find an investment than to apply for an individual business guarantee loan。

Professional investment institutions can also be a form of loan financing。

In addition, the State provides students with a range of entrepreneurial incentives, including entrepreneurship loans and entrepreneurship training。

Preparation of relevant loan materials

The preparation of relevant loan materials in advance is an essential preparation for applying for an individual start-up loan, and is also a very important undertaking。

Identification cards, academic certificates, business licences or business plans, etc., as well as the necessary certificates of repayment capacity and related loan guarantees, are generally required. The earlier the loan materials are prepared, the less the need to wait for the loan to be applied for and processed, the less the preparation starts, the more the haste and the less the impact on the loan application。

iii. Before applying for a start-up loan, you need to prepare yourself for the start-up finance

Business start-up loans do not mean that they can be applied for directly without your life. Before applying, it would be better to prove to the bank that you are entrepreneurial. How does entrepreneurship prove its strength? The ownership of entrepreneurship is a good proof. Prior to the loan, there was a certain amount of start-up finance, which was more able to demonstrate to banks the determination and strength to start their own business and to win higher levels of start-up loans。