Any commercial entity has a need for external financing, one way to do that is to seek for banking credits. This article is namely addressed to enterprises that are to apply for banking loans to financial institutions. Here are presented necessary recommendations while requesting a credit as to be treated in the best terms. There are presented the basic criteria to be taken into consideration: normative acts, credit assurance, financial state, credit history and reputation. Underlying the strong points of an enterprise in crediting - credit history, outstanding financial standing, quality of credit assurance, management competency and respecting the obligatory criteria advanced by financial institutions the potential borrower will take loans with the best possible terms.