Thanks to the financial and banking activity can be purchased on many occasions those resources that are needed to be able to meet some needs, or to develop different types of projects and ideas that greatly expand the possibility of participating in market activities; all this thanks to the figure of appropriations, which depending on its purpose and the use that will be given to the awarded amount will have certain ratings, attending in addition to the conditions of the person who requested it, understanding the concept of person in the sense of natural person and legal entity. A clear example of the credits that are useful, are so-called commercial loans, which has such denomination which quits the normal field of credits as of consumption, the housing, student, car, etc., since their action and use would be within the commercial sphere, be considerable amounts of money that banks lend to businesses, whatever its name, this with the idea of supporting its operation and possible expansion. As you can understand commercial loans they can mean a big boost to business activity and therefore to the commercial field, so it is interesting to know a little more about the topic and the conditions that accompany commercial loans. Commercial loans can provide both within the currency of the country or in foreign currency, everything will depend on the type of investment that will take place, since you can request to invest or buy certain materials from foreign agents, likewise the cancellation of the credit shall be in the currency in which request the commercial credit. Commercial loans are made in order to meet needs within a company such as capital for the execution of works, facilitating the means of production and the movement of goods through the adaptation of the environment, in order to acquire certain assets and services that stimulate the activity of the companies or to refinance liabilities that have with other commercial entities and suppliers, with which It is an obligation that must be met in the short term. So with commercial loans will strengthen criteria such as sales, production, encourage the development of capital and therefore the increase of profits. Commercial loans are generally agreed to be paid in a period which varies between the short and the medium term, and may take up to 4 years, however time is possible by request to extend the long-term, which gives greater ease to the company request a commercial loan. Other advantages that are generated by using the figure of commercial loans, is that these are very flexible, so much so they allow the extended payment of assessed contributions, with the idea of the same company’s activities to meet. To gain access to commercial loans, banks ask for a large number of requirements to be met, such as the type of operations, flows of income and expenditure and different documents that support the information, all with the idea of being able to determine if the company can meet the obligation that will arise.