First, which platform is better for business license loans

A better platform for business license loans: Business license loans can be applied online in addition to banks or financial companies. At present, there are many business license loans on the Internet, including: Dianrong Food Loan, Agricultural Bank Micro-credit Loan, Weizhong Bank Micro-enterprise Loan, China Construction Bank Understand You, and Douxin Loan. Among them, Agricultural Bank of China Micro-credit, which is a business license loan business launched by Agricultural Bank of China, can be applied by borrowers through online banking and mobile banking as long as it is provided for small and micro enterprises. At present, the maximum loan amount of agricultural bank of China micro-credit is 1 million, and the loan period is 12 months. You can refer to it. The above contents are for reference only, and we don't make any loan suggestions. Online lending is risky, so you should be careful in your choice! Before, I was also in need of business turnover. I used several products. My first application was for a small amount of money (formerly Baidu Finance), which was just 1W (the maximum platform support was 2W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them were 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 arrival do not require any fees.

small amount of money-money spent (in batches in seconds) Click online to measure

small amount of money-special attention should be paid to money spent: 1. Withdraw money as soon as possible after the money has been spent, because the amount may become invalid after a long interval. 2. It's best to withdraw the cash in full at present, because I read other people's posts that if you withdraw too little, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), which will lead to rejection in the withdrawal process, and at least 6% is safer. Anyway, Baidu Finance supports free prepayment. If it is not needed in a few months, you can choose to settle it in advance. How long the interest will take, there is no loss for us. Let's make sure to mention it first. My second application was for 36 IOUs. After all, they are all big platforms, so I applied first. The quota is 5.5W, and the interest is similar to the money spent.

Second, I am a self-employed, my business license is less than one year, I need money urgently, and I want to borrow 5, yuan. What network ...

Small loan;

1. Product target

Individual industrial and commercial households (operating for more than half a year) and legal representatives of limited liability companies or shareholders of the company (less than 5 people).

ii. product term and amount

the loan term is 1-12 months, with a minimum change of 1, yuan.

personal business loans;

1. Product definition:

Short-term and medium-term business loans secured by real estate granted to small private entrepreneurs (natural persons).

Second, the loan object:

1. Participate in production and operation: self-employed and wholly-owned enterprises must be legal representatives, partners or shareholders, with more than 3% of the shares;

2. Legal business procedures: business license, tax registration certificate and organization code certificate;

3. Operating period: generally 12 months, and if the credit standing is particularly good, it can be extended to 6 months;

4. Individual industrial and commercial households; Sole proprietorship; Partner of a partnership; Shareholders of a limited liability company

III. Credit line:

1. At present, the maximum amount is 3 million yuan, which is determined according to the actual situation in all regions of the country;

2. mortgage 6% of real estate assessment value or the credit standard of the head office;

Third, how to apply for a loan with a business license

1. The office of the loan applicant must be fixed, and he must have a business license in the local area for one year;

2. Bring your personal ID information, raw materials and the profitability form of the company you are operating in recent years to the bank to clearly apply;

3. Wait for the test and audit results of the bank;

4. Sign a contract with the bank, and the bank will distribute loans according to the contract.

1. A business license is a certificate issued by the administrative department for industry and commerce to allow 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 of Market Supervision.

its registered items are: name, address, person in charge, amount of funds, economic component, business scope, business mode, number of employees, business term, 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.

industrial and commercial enterprises or individual operators without business licenses are not allowed to start business, carve official seals, sign contracts, register trademarks or advertise, and banks are not allowed to open accounts.

on September 28th, 218, the first batch of 11 business licenses and 1 industrial product production license in China were born in G6 Science and Technology Corridor in the Yangtze River Delta. On March 1, 219, a new version of the business license was launched nationwide. On April 1, 219, the Beijing Municipal Bureau of Market Supervision and other six departments issued the Notice on Improving the Efficiency of Enterprise Start-up, which showed that the applicant handled the business through the "e-Window" platform, and the market supervision department approved it within one day and issued an electronic business license to the enterprise. Other matters were completed in parallel within 24 hours, and the enterprise could meet the operating conditions in 2-3 days.

second, the difference between the original and the duplicate

the original and the duplicate of the business license have the same legal effect, and there is no difference in essence. If we talk about the difference, it is just a form of appearance. In terms of use, the original is "must be hung" in an obvious place in the business premises, otherwise you may be punished for not hanging the license; Copies are generally used for going out to handle business, such as handling bank account opening license, enterprise organization code certificate, tax registration certificate, signing contract and so on.

iii. new license

starting from March 1, 219, the new business license will be launched nationwide. All kinds of market entities that have been approved by the registration authority to establish, change their registration and reissue their business licenses will be issued with new business licenses. All kinds of market entities that existed before may continue to use the original business licenses or apply for renewal of the new business licenses.

the new version of the business license will print the national emblem, border, title (business license), website of the national enterprise credit information publicity system, official seal of the registration authority, year, month and year, supervised by the State Administration of Market Supervision, etc., and print the unified social credit code and number, the name and content of the recorded items, two-dimensional code and other contents, among which the copy will be accompanied by the annual report prompt. On March 1, 222, the Regulations on the Administration of Market Entity Registration (hereinafter referred to as the Regulations) came into effect. At 1 am that day, Zhang Yun, the legal representative of Anhui Yinchen Trading Co., Ltd., received the business license in the government affairs hall of Baohe District, Hefei City, which was also the first business license issued by our province after the implementation of the Regulations.

4. which loan is easier to borrow, the company business license or the individual business license?

The company's business license is mainly aimed at corporate loans (the shareholding system also depends on the qualifications of shareholders), and individual business licenses are generally corporate personal loans. Looking at these two terms, they can be simply understood as corporate loans and personal loans. Of course, if you want to make personal loans for office workers in a large enterprise, you only need your ID card, work certificate and income certificate, which is very simple, and it does not involve the company's business license. If you want to make corporate loans, you must assess the overall qualifications of your company, and the amount will be higher!