With the continuous development of the Internet, more and more people choose to start their own businesses and engage in their favorite industries. However, to do anything, they need a certain amount of start-up capital, and they also need a lot of liquidity in the operation process. Then risk loan is a good way to borrow money. The state has many preferential policies to encourage college students, veterans, laid-off workers, farmers and freelancers to start businesses, but some loans need guarantors. What if I can't find them?

In fact, in addition to the guarantor, there are several ways:

1. Pledge guarantee. It means that the applicant needs to use movable property such as stocks, futures and bonds as collateral to obtain loans;

2. Provide collateral. This is more common, that is, mortgage real estate such as real estate or land to lending institutions to obtain personal business loans;

Generally speaking, venture loans need a guarantor, and the conditions are relatively simple:

1. The guarantor must be 18-65 years old, have full capacity for civil conduct, and can provide a legal and valid second-generation resident ID card;

2. The guarantor has a local account or fixed residence in the loan bank;

3. The guarantor needs to have a stable job and a fixed source of income, and can provide work certificates and bank running bills;

4. The guarantor must have good personal credit and no personal credit record of overdue loans or debts;

5. Legal persons, other organizations or citizens who have the ability to pay off debts on their behalf may act as guarantors.

To sum up, we should try to find qualified guarantors, communicate with them and apply to the bank together. It's really not possible to guarantee with mortgage.