What are the platforms on which the business license can be used for loans?
The platforms on which the business license can be used for loans are listed as follows:
1. Users are required to meet the age requirement of 18-55 years old, 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 or first-generation ID card.
2. Fast loan for small and micro enterprises. There are credit fast loans, mortgage fast loans, pledge fast loans and platform fast loans under small and micro enterprises' fast loans. The corresponding loan amount, loan term and loan interest rate are different for different small and micro enterprises' loan products, and of course the corresponding processing conditions will be different. You can log on to China Construction Bank official website and click to view it under "Small and Micro Enterprises-Apply Now-Apply for Quick Loan".
3. Micro-credit. Micro-industry loan is a fund 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 there is a chance that the annualized interest rate will be as low as 3.6%, subject to the specific data after applying for the loan amount.
Extended information:
First, what materials are needed for a business license loan
When a loan is made with a business license, besides the business license, the borrower must provide his identity certificate, marriage certificate, address certificate, etc., and at the same time, he must provide the bank account for more than half a year. The more complete the information, the more favorable it is to apply for a loan.
II. Application Process
1. The borrower prepares the above information completely and submits it to the lending institution;
2. The lending institution shall review the materials and conduct a pre-loan investigation on the borrower;
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.
ii. business license
a 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 a certain production and business activities. Its format shall be uniformly stipulated by the State Administration for Industry and Commerce. The registered items are: name, address, person in charge, amount of funds, economic composition, business scope, business mode, number of employees, business period, etc. The business license is divided into original and duplicate, both of which have the same legal effect. The original shall be placed in a conspicuous 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, and they are not allowed to carve official seals, sign contracts, register trademarks or advertise, and banks are not allowed to open accounts.
how to get a loan for a business license?
The ways of online loan for business license are as follows:
1. Dianrong Food Loan, which is an online loan designed for catering enterprises to help people open branches and decorate storefronts. The maximum loan amount of Dianrong Food Loan can reach 1 million yuan, and the minimum daily interest rate is only .4%, with automatic repayment every day as soon as one day.
2. Agricultural Bank of China Micro-credit, which also serves small and micro enterprises, can be applied through online banking and mobile banking. The loan amount of Agricultural Bank of China Micro-Jet Loan can reach 1 million, and the loan period is 12 months.
3. Micro-enterprise loans from Weizhong Bank. Micro-enterprise loans from Weizhong Bank can be handled with business licenses. The main open areas are Guangdong, Jiangsu, Hunan, Shandong, Tianjin, Shaanxi, Zhejiang, Henan, Chongqing, Yunnan and Jiangxi. The loan amount of small and micro enterprise loans can reach 3 million yuan, and the longest loan period is 36 periods.
how do small and micro enterprises get loans from banks?
hello! The loan process for small and micro enterprises is as follows:
1. Enterprises apply for working capital loans from banks, and provide relevant materials of enterprises and guarantee entities (if necessary).
2. Sign the loan contract and related guarantee contract. After the enterprise's loan application is approved by the bank, the bank and the enterprise need to sign all relevant legal documents.
3. Implement the guarantee and improve the guarantee procedures according to the agreed conditions. According to the examination and approval conditions of the bank and the signed guarantee contract, if the enterprise is required to provide guarantee, it is necessary to further implement specific guarantee measures such as third-party guarantee, mortgage and pledge, and complete relevant guarantee procedures such as mortgage registration and pledge delivery (or registration). If notarization is required, it is also necessary to perform notarization procedures.
4. Issue loans. After all the formalities are completed, the bank will issue loans to the enterprise in time, and the enterprise can reasonably control the loan funds according to the pre-agreed loan purposes.
materials to be prepared for small and medium-sized enterprises' loans:
The materials required for application include: business license, tax registration certificate, corporate flow in the last three months, personal bank flow, office space lease contract or real estate title certificate, special business license, etc., which reflect the operation of the enterprise; Joint-stock enterprises also need to provide a resolution that more than 2/3 shareholders agree to the loan. In addition, the legal representative also needs to provide his identity card, proof of address and proof of residence in the last six months.
Notes on loans for small and medium-sized enterprises:
Small and medium-sized enterprises that need loans must meet the following conditions:
1. The main business place of the enterprise is in the local area;
2. The property right relationship of the enterprise must be clear;
3. The enterprise has no bad credit record;
4. The production and operation projects conform to the national industrial policies and laws and regulations;
5. Other conditions of the lending institution.
how to use a business license to make a loan
how to use a business license loan, and which platform is good for a business license loan.
The loan conditions of business license are as follows:
Ordinary banks will require operating time of more than one year. It is estimated that new business licenses cannot be loaned, but different banks have different requirements. You can ask more banks.
Which platform is better for business license loan?
Agricultural Bank of China Micro-credit
Agricultural Bank of China Micro-credit is also for small and micro enterprises, and you can apply through online banking and mobile banking. The loan amount of Agricultural Bank of China Micro-Jet Loan can reach 1 million, and the loan period is 12 months.
Micro-enterprise loans from Weizhong Bank
Micro-enterprise loans from Weizhong Bank are loans that can be handled with business licenses. The main open areas are Guangdong, Jiangsu, Hunan, Shandong, Tianjin, Shaanxi, Zhejiang, Henan, Chongqing, Yunnan and Jiangxi. The loan amount of small and micro enterprise loans can reach 3 million yuan, and the longest loan period is 36 periods.
CCB understands you
CCB understands that you are a small and micro enterprise APP, which can handle loans for enterprises. Small and micro enterprises can apply for loans of up to 5 million yuan with business licenses and tax payment information, and the service period is 12 months.
when everyone is short of funds, I use no less than 1 loan products myself. To sum up, I still recommend the rich flowers with a small degree (formerly known as Baidu Finance) for the following reasons: 1. Compared with the invitation system of borrowing and micro-loans, the rich flowers can apply actively. 2. The maximum amount is 2, yuan, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, a formal platform, don't worry about routines;
4. Generally, regular products are strictly audited. Although it is easy to use, it is difficult to apply, and so is the money spent. However, I found an exclusive application channel for internal personnel, and the payment rate is very high, so it is the most recommended product in the product. Since I have recommended it to everyone, I will present the exclusive application channel together, so it is good for friends who need it to apply for it themselves.
Just remember to use it on the same day when you get the amount of flowers, otherwise.
The degree is small and full-you can spend money (in batches of seconds) and click online to measure the amount
There is another one: the 36 loan is actually the anti-virus king Qihoo 36 online loan platform, which mainly provides pure credit loans for everyone, with a limit of less than 2, yuan, a service period of 1-12 months and a daily interest rate as low as .27%. As a platform under the network security giant, 36 IOUs are still more reliable than ordinary platforms.
36 IOUs can borrow up to 2, yuan!
Click on the online measurement
Third: "New One Loan" is an unsecured RMB loan business owned or issued by Ping An Bank for personal legal consumption or business purposes other than housing purchase. Complete information, 1-3 working days to lend money.
The application threshold is low: you can apply with an average monthly income of more than 4, yuan (car loan, mortgage, provident fund and insurance policy are the best), and the amount is appropriate and the repayment is flexible: the loan amount is 1, yuan to 5, yuan; The loan period is 12 months, 24 months and 36 months, and the excellent occupation can be as long as 48 months.
Click on the online measurement of Ping An Xinyi Loan
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so be careful when choosing!
what are the conditions for small and micro enterprise loans?
1. Conditions:
1. Sufficient cash flow
2. Good credit of small and micro enterprise owners
3. The enterprise has been successful for more than two years
4. It can provide effective financial proof
5. Small and micro enterprise owners have strong repayment will and the ability to repay in full and on time
6. Bank requirements. Medium-term loans and long-term loans
1. Short-term loans refer to loans with a loan term of less than 1 year (inclusive)
2. Medium-term loans refer to loans with a loan term of 1 year (exclusive) to 5 years (inclusive)
3. Long-term loans refer to loans with a loan term of more than 5 years (exclusive)
< p Guaranteed loans, etc.
1. The process for small and micro enterprises to apply for credit loans:
1. Applying for credit
1. The resolution of the board of directors of the enterprise (as required by the articles of association)
2. The specific loan purpose and the use direction of funds (plan and total amount of funds) of the enterprise.
③ analyze the repayment sources, plans and measures, and make a monthly cash flow analysis on the repayment fund arrangement.
④ Mortgage situation, other relevant legal documents, correspondence, etc.
2. Review
① Project establishment
② Credit evaluation
③ Feasibility analysis
④ Comprehensive judgment
⑤ Pre-loan review
3. Signing a contract If the bank considers that all the loan applications meet the requirements after review and agrees to lend, it should agree with the bank. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party fills in the withdrawal voucher uniformly formulated by the bank, and then goes through the withdrawal procedures at the bank.