List the loan platforms with business licenses as follows:

1, money to spend. Users are required to meet the age requirement of 18-55, and the corresponding second-generation ID card and debit card must be submitted during the application process. It should be noted that the application only supports debit cards, and the application card is also the user's loan bank card, while the ID card cannot be a temporary, expired, first-generation ID card.

2. Fast loans for small and micro enterprises. Small and micro enterprises have fast credit loans, fast mortgage loans, fast pledge loans and fast platform loans. Different small and micro enterprise loan products have different loan amount, loan term and loan interest rate, and of course the corresponding handling conditions will be different. You can log on to China Construction Bank official website and click "Small and Micro Enterprises-Apply Now-Apply for Quick Loan" to view it.

3. Microfinance. Micro-credit is a capital loan service provided by Weizhong Bank for small and medium-sized enterprises. Generally speaking, taxpayer enterprises, small-scale taxpayer enterprises or individual industrial and commercial households can apply for loans. And the upper limit of the loan amount is 3 million, and the annualized interest rate may be as low as 3.6%, subject to the specific data after applying for the loan amount.

Extended data:

1. What materials do you need for a business license loan?

When applying for a loan with a business license, in addition to the business license, the borrower also needs to provide his own identity certificate, marriage certificate and address certificate. , but also must provide more than half a year of bank flow. The more complete the information, the more favorable it is to apply for a loan.

Second, the application process

1. The borrower shall fully prepare the above information and submit it to the lending institution;

2. Lending institutions shall review the materials and conduct pre-loan investigation on borrowers;

3. After investigation, both parties signed a loan agreement;

4. After the agreement is signed, the lending institution issues loans;

5. The borrower repays the loan according to the contract.

Second, the business license

Business license is a certificate issued by the administrative department for industry and commerce to industrial and commercial enterprises and individual operators to engage in certain production and business activities. Its format shall be uniformly stipulated by the State Administration for Industry and Commerce. The registered items include: name, address, person in charge, amount of funds, economic composition, business scope, business mode, number of employees, business period, etc. Business licenses are divided into originals and duplicates, which have the same legal effect. The original shall be placed in a prominent position in the company's domicile or business premises, and the business license shall not be forged, altered, leased, lent or transferred. Without a business license, industrial and commercial enterprises or individual operators are not allowed to start business, engrave official seals, sign contracts, register trademarks or advertise, and banks are not allowed to open accounts.

Can I get a loan for my individual business license?

The business license of individual industrial and commercial households can be loaned, but it must meet the following conditions:

1, personal business license loans need to be operated for more than one year and need to be reviewed by the industrial and commercial departments;

2. China citizens who have reached the age of 18 and have full capacity for civil conduct have permanent residence;

3. The borrower must have sufficient repayment ability to provide the bank with running water for nearly half a year;

4. Have a fixed business place and a stable income.

5. Good credit record. The loan processing flow of self-employed business license is as follows:

1. The borrower applies to the lending institution and submits the materials required for the loan.

2. The lending institution examines the application submitted by the borrower and conducts pre-loan investigation on the borrower. If there is collateral (pledge) as collateral (pledge). Find a professional appraisal agency to evaluate the value of the mortgaged property.

3. After the materials are approved, the two parties negotiate and reach an agreement on the loan, sign a loan contract, the borrower goes through the formalities of mortgage (pledge) registration, and the lending institution issues the loan after the formalities are completed. To apply for the establishment registration of individual industrial and commercial households in accordance with Article 5 of the Regulations of the People's Republic of China on the Administration of Company Registration, the following documents shall be submitted:

(a) the application for registration of the establishment of individual industrial and commercial households signed by the applicant;

(2) the identity certificate of the applicant;

(3) Proof of business place;

(4) Other documents required by national laws and regulations. Article 10 After receiving the application for registration submitted by the applicant, the registration authority shall accept it if the application materials are complete and conform to the statutory form. If there are errors in the application materials that can be corrected on the spot, the applicant shall be allowed to correct them on the spot. Article 11 When accepting an application for registration, the registration authority shall issue a notice of acceptance to the applicant.

Can I get a loan for my business license?

You can borrow money with a business license, but you can't just borrow money with a business license. Loans need to meet the following conditions:

(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.

Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial departments, the industrial and commercial departments shall handle the annual inspection procedures.

Basic deposit account or general deposit account has been opened.

Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets.

Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.

Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.

Article 17 of the General Principles of Loans in People's Republic of China (PRC) The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person with full civil capacity with People's Republic of China (PRC) nationality. The borrower who applies for a loan should have the basic conditions such as marketable products, profitable production and operation, not misappropriating loan funds, and abiding by credit.

The business license of individual industrial and commercial households can be loaned. But the following conditions need to be met:

Personal business license loans need to be operated for more than one year and need to be audited by the industrial and commercial department;

The lender must be a citizen with full capacity for civil conduct and have a fixed residence;

Lenders must have sufficient repayment ability.

I. Information to be provided by individual industrial and commercial households for borrowing:

Individual industrial and commercial households must be able to provide identity cards and household registration books, and the copies are consistent with the original; Provide the original and photocopy of business license and tax registration certificate;

Individual industrial and commercial households in normal operation, but also need to provide proof of legitimate income and related materials;

If the borrower is married, the original and photocopy of marriage certificate, spouse ID card and household registration book are also required. If the borrower is unmarried, there is no need for a marriage certificate.

Second, the self-employed business license loan process:

1. Prepare materials. First, prepare the materials required for bank conditions. If it is a customer with a mortgage loan, it is necessary to issue a certificate of property rights of the collateral. If it is an unsecured loan customer, it needs to provide a good credit record;

2. After handling the application and preparing relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank. After submitting relevant materials to the bank and paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties;

Payment review: if it is a house loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application. If qualified, the bank will conduct the final loan approval. If it is unqualified, the bank will return the relevant information of the customer and the fees charged.

To go through other legal procedures, in addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer needs to register the mortgage in the bank for future inquiry;

5. After the bank loan and customer-related procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan to the customer's account.

To sum up, the business license of individual industrial and commercial households can be loaned, provided that the projects operated need to reach more than one year, and a business license audited by the industrial and commercial department is required. The borrower needs to have a good personal credit record and need to provide guarantee, mortgage or pledge. The materials required for individual industrial and commercial households to borrow money include ID card, household registration book, copy consistent with the original, business license, original and copy of tax registration certificate.

How to borrow the business license of individual industrial and commercial households?

The business license of individual industrial and commercial households can be used for loans and must meet the following conditions: 1. Individual business license loans need to be operated for more than one year, which need to be audited by the industrial and commercial department; 2. China citizens who have reached the age of 18 and have full capacity for civil conduct have permanent residence; 3. The borrower must have enough repayment ability to provide the bank with running water for nearly half a year. Let's find out through Bianxiao Law Express.

1. How do self-employed individuals borrow business licenses?

When applying for a loan with a business license, in addition to the business license, the borrower also needs to provide his own identity certificate, marriage certificate and address certificate. , but also must provide more than half a year of bank flow. The more complete the information, the more favorable it is to apply for a loan. Self-employed business license loans have strong pertinence and flexible repayment methods. Strong pertinence: tailor-made for individual industrial and commercial households, and meet the capital needs of individual industrial and commercial households in many aspects. Flexible repayment method: the maximum loan balance management is implemented, and different repayment methods can be selected.

Application process:

1. The borrower shall fully prepare the above information and submit it to the lending institution;

2. Lending institutions shall review the materials and conduct pre-loan investigation on borrowers;

3. After investigation, both parties signed a loan agreement;

4. After the agreement is signed, the lending institution issues loans;

5. The borrower repays the loan according to the contract.

Can I get a loan from the bank for a business license?

Bank of China provides personal business loans. The main loan conditions include:

1. People's Republic of China (PRC) citizens with full capacity for civil conduct, including Hong Kong, Macao and Taiwan citizens, have good credit status and repayment willingness and ability, and comply with the Interim Measures for the Administration of Personal Loans and other laws, regulations and regulatory provisions;

2. The age is not less than 18 years old and not more than 65 years old;

3. Abide by the relevant regulations of Bank of China on anti-sanctions and compliance;

4. Open a settlement account in China Bank.

5. It is qualified as a legal person and can provide relevant business licenses and business licenses.

The materials to be submitted are:

1, loan application;

2. Valid identification;

3. Business certificate and loan use certificate;

4. The ownership of the mortgaged (pledged) property and the appraisal documents, the identity of the guarantor and the proof of the guarantee ability and other guarantee materials;

5. Other materials specified by China Bank.

Please consult the local branch of Bank of China for details.

The above contents are for your reference. Please refer to the actual business regulations.