Small and micro enterprises can apply for loans as long as they have business licenses, normal running water, invoices and taxes, and banks such as CCB, ICBC, Bank of Communications and Bank of China can apply for loans.

2. What platforms are there for small and micro enterprise loans?

First of all, small and micro enterprise loans can handle mortgage loans and unsecured credit loans.

3. What platform can be used for business license loans?

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.

4. What are the main loan platforms for small and micro enterprises?

Speaking of the problem of small and micro enterprise loan platform, many small and micro enterprise owners just spit out a lot of bitterness. Why? Because there are indeed many loan platforms for small and micro enterprises, there are really few platforms that can handle loans for small and micro enterprises. How can I share this information with you? Small and micro enterprise loans have always been a heart disease for many enterprises and government agencies. Why? The reason is that the nature of small and micro enterprises determines that many small and micro enterprise loan platforms are not strong in anti-strike. So the loans they handle are likely to be wiped out in the end. Then, at this time, the loan platform is willing to bear such risks. Therefore, the government began to take measures at this time. They will encourage banks or other small and micro enterprise loan platforms to actively handle small and micro enterprise loans, and even give Taiwan Province some preferential treatment when there are non-performing loans. Therefore, many banks or loan companies are willing to try to handle small and micro enterprise loans. However, because of the threshold of banks, small and micro enterprise loan platforms are mainly concentrated in loan companies. Some people say that banks do not actually handle loans for small and micro enterprises. Actually, it's not. Some local banks, such as rural credit cooperatives, are actively supporting the development of local small and micro enterprises. The above is an n-dimensional platform. Of course, in addition to this platform, what should be considered more is how the loan itself is more beneficial to itself.