When you require the credit for your business operation, you should make understanding to the types of loans or in the bank field called “types of credits” ; what are the banks provided, you will have to understand what types of credits are suitable to your business, with the monthly installment, then you prepare what documents to be prepared; including your believable work plan for the bank to consider and to offer you such credit.

When your documents are ready, you contact the banker and propose your project or work plan in order to explain to the credit section of the bank to understand, to interest in your business plan. The bank always inquires much information in order to use for consideration your application of loan. Most questions always asked are as follows:

1. For what the money to spend to ?
2. What are the details of your investment, how much the budget your need, how much the proportion to borrow and what is the investment proportion to get loan from the bank ?
3. What is the information of your business, the sources of income, the history of credit usage with the financial institutes?
4. Are there guarantees used as establishment, what are they, such as land, building and machinery?
5. Do you understand in such business or not, your expertise and how long you have studied such business, how much do you know such business exactly, how do your intention to operate such business and how do you access to the target markets ? (In this case you should have documents or evidence to show that you have accessed to those customers really.)