You can get a loan with a business license, but you must also meet the loan conditions. A business license is a necessary material for a company to apply for a loan, but a business license alone cannot obtain a loan. In addition, general bank regulations require that you have a business license for at least one year before you can apply for a loan. A few financial institutions have lowered the threshold to half a year.

When applying for a loan, in addition to a business license, an enterprise also needs the following materials:

(1) Proof of identity of the borrower;

(2) Enterprise Tax registration certificate;

(3) Organization code certificate;

(4) Corporate loan card;

(5) Account opening license;

(6) Corporate bank statement certificate (at least six months)

(7) Other information required by the bank.

Legal Basis

Article 36 of the "Full Text of the Commercial Bank Law" For commercial bank loans, the borrower shall provide guarantee. Commercial banks shall strictly examine the guarantor's repayment ability, the ownership and value of mortgages and pledges, and the feasibility of realizing mortgage rights and pledge rights. If, after review and evaluation by a commercial bank, it is confirmed that the borrower has good credit and can indeed repay the loan, no guarantee is required.