A better loan platform with business license;

Business license loans can be applied not only in banks or finance companies, but also online. At present, there are many business license loans on the Internet, including: point-financing grain loans, small loans of Agricultural Bank of China, small and micro enterprise loans of Weizhong Bank, Zhihu of China Construction Bank, Xindu and so on.

Among them, Agricultural Bank Micro-loan is a business license loan business launched by Agricultural Bank of China. As long as it is provided for small and micro enterprises, borrowers can apply through online banking and mobile banking. At present, the maximum loan amount of agricultural bank of China Weijie loan is 654.38+0 million, and the loan period is 654.38+0.2 months. You can refer to it

The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!

Before, I also needed business turnover. I have used several microfinance products. The first one I applied for was a small amount of money (formerly Baidu Finance), which was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.

Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

Spend a little money-pay special attention if you have money:

1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.

2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.

Anyway, Baidu Finance supports free prepayment. If it is not needed in a few months, you can choose to settle in advance. It doesn't matter to us how long the interest will last. Make sure to mention it first.

My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent.

What are the loan platforms with business licenses?

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.

What platforms are there for corporate loans?

Corporate loan platforms include Mo Long, Weizhong Bank and China Construction Bank. Mo Long is recommended. The company's unsecured loan is the fastest 1 day, and the apartment store can apply for a loan within 2 hours at the earliest.

Advantages of corporate loans:

1, the cost is low, and bank loans belong to a category with relatively low cost, not only the interest rate is low, but also the agency fee or handling fee is much lower. The most important thing is that it is safe and reliable, and it will not be routine. Moreover, it is possible to obtain certain loan interest rate concessions when applying for corporate loans in banks.

2, the amount is high, there is usually no upper limit for applying for corporate loans in banks, and how many loans enterprises can get mainly depends on their strength. Therefore, as long as enterprises meet the loan conditions of banks, almost all the enterprise loan quotas they want to apply for can be met.

Enterprise loan platforms include the following:

1, Ping An Pratt & Whitney: The loan platform of China Ping An Collection is rich in loan products, mainly providing mortgage loans and credit loans, with a maximum loan of 300,000 yuan.

2. CreditEase Huimin: CreditEase's loan platform provides mortgage and credit loan services, and individuals can borrow up to 200,000 yuan.

3. Paipai Loan: Paipai Loan is a listed company that provides various loan services such as micro-loans and credit loans. The initial loan amount is 500,000-30,000 yuan, and then the maximum loan amount is 200,000 yuan.

4. Jiufu: Jiufu is an integrated service platform for Internet finance. It owns a variety of loan products such as Jiufu Wanka, Jiufu Chaoneng, Jiufu Chaoneng and Jiufu Dingdang. The maximum loan amount can reach hundreds of thousands.

What companies are there in the formal loan platform?

Formal online lending platform:

1. pleasant loan was launched by creditease company in 20 12 and listed on the new York stock exchange in 20 15.

2. Renren Loan, a loan platform owned by Xinyoujinfu, was established on 20 10 and is one of the earliest online lending platforms in China.

3. China Ping An's platform, lufax, was established in Shanghai on September 20 1 1, and was supported by the Shanghai Municipal Government.

4. Paipai Loan was established in June 2007 and listed on NYSE on 20 17. It is the first online lending platform in China.

What is online lending? In fact, as the name implies, online lending is online lending. For example, if you borrow money from him on an application, then this is an online loan. And like the flower beds used by many people, these are collectively called online loans. Online lending is online lending. Online lending is actually borrowing money online and lending it to others, commonly known as online lending, but some online lending is safe. It is also a formal channel, and some online loans are informal channels, just like a quilt. These are all formal channels, and the interest is relatively low. So if you borrow money from others online, which is also called online loan, then this kind of online loan is more dangerous, and online loan is also an informal online loan.

I borrow money purposefully and regularly. For example, if I use normal loans and repay them normally, then I think this online loan is a normal thing, but you borrow money from major platforms and those informal platforms. Then this kind of online loan is particularly dangerous, which may lead to the ruin of one's family and lead to heavy debts. What about things like this? It also happens from time to time If you borrow money blindly, you will owe online loans, which will lead to family destruction. Because some of them are irregular, the interest on online loans is particularly high, and the interest is rolling. In the end, you can't bear the price and commit suicide directly.