How to get a loan for a business license?

The online loan methods for business licenses are:

1. Dianrong Food Loan. Dianrong Food Loan is an online loan designed for catering companies to help them open branches and carry out business operations. Store decoration, etc. The loan amount of Dianrong Food Loan can reach up to 1 million yuan, and the daily interest rate is as low as 0.04. The payment can be made in as fast as one day, and the repayment is automatic every day.

2. Agricultural Bank of China Weijie Loan. Agricultural Bank of China’s Weijie Loan also serves small and micro enterprises. You can apply for it through online banking, mobile banking, etc. The loan limit of Agricultural Bank of China's Weijie Loan can reach 1 million, and the loan period is 12 months.

3. WeBank small and micro enterprise loans. WeBank small and micro enterprise loans are loans that can be processed with a business license. The main open areas are Guangdong Province, Jiangsu Province, Hunan Province, Shandong Province, Tianjin City, Shaanxi Province, Zhejiang Province, Henan Province, Chongqing City, Yunnan Province, Jiangxi Province. The loan limit for small and micro enterprise loans can reach 3 million yuan, and the loan term is up to 36 periods.

What are the requirements for a small business loan?

Small business loan application conditions:

1. Comply with national industry and industry policies, and are not high-pollution, high-energy-consuming small businesses;

2 .The enterprise has a good reputation in various commercial banks and has no bad credit record;

3. It has a business license approved and registered by the industrial and commercial administration department and has passed the annual inspection, and holds a loan issued by the People's Bank of China and subject to normal annual inspection card;

4. Have necessary organizational structure, operation management system and financial management system, have a fixed basis and business location, operate legally, and have a marketable and profitable product;

5 .Have the ability to perform contracts and repay debts, have good repayment intentions, have no bad credit records, and have credit asset risks classified as normal or concern categories affected by non-financial factors;

6. Business operators or actual The controller has more than 3 years of working experience, good quality, and no bad personal credit record;

7. The business operation is stable, the establishment period is in principle more than 2 years (inclusive), and there is at least one accountant or more Annual financial report, with sales revenue growth and positive gross profit for 2 consecutive years;

8. Comply with the establishment of industry credit policies related to small business business;

9. Able to comply with National financial regulations, policies and relevant bank regulations;

10. Open a basic settlement account or general settlement account at the applicant bank.

Loan application materials:

1. Original and duplicate copies of business license; company name, business address (province, city, county);

2. Original and duplicate copy of organization code certificate;

3. Original and duplicate copy of tax certificate;

4. Copy of account opening license;

5 .Copy of the loan card and password (or copy of the loan card query result);

6. Copy of the original ID card of the legal representative; work resume of the legal representative (work experience and positions held);

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7. Legal person’s employment certificate and legal person’s resume;. Authorization letter of the authorized agent and the original and copy of the agent’s ID card;

8. Equity structure (name of shareholder, proportion of shareholders) , registered capital of the company, time of establishment, net assets of the company, total assets (10,000 yuan);

9. Copy of the company's articles of association; introduction to the company's business development (mainly describing the business development method, settlement method, and product sales) Competitiveness in terms of technical quality);

10. Copy of capital verification report; the company’s audited financial statements for the past three years (including complete notes), and financial statements for the past three months;

11. Real estate area, purchase value (10,000 yuan), real estate location (province, city, county);

12. Name of the most important equipment, quantity of the most important equipment, and name of the most important inventory , the most important inventory quantity;

13. Accounts receivable (10,000 yuan);

14. Total bank borrowings (10,000 yuan), total other borrowings (10,000 yuan);

15. The total amount of the loan (10,000 yuan), purpose and feasibility report of the project;

16. The guarantee methods that can be provided (residential mortgage, shop mortgage, industrial plant, enterprise guarantee, inventory pledge, accounts receivable pledge, etc.); counter-guarantee measures to be provided;

17. Loan application;

18. The enterprise decides to apply for a loan Guaranteed shareholder meeting resolution or partnership meeting resolution;

19. Original and copy of special industry production and operation license;

20. Basic account opening bank.

Standards for small businesses:

The standards for small businesses are generally less than 500 employees or less than 10 million yuan in annual sales;

Processing The standard for a small business is that the number of employees is less than 300 or the company's annual sales are less than 30 million yuan or the total assets of the company are less than 40 million yuan;

The standard for a wholesale small business among circulating small businesses is that the number of employees is less than 300. There are less than 100 employees or the company’s annual sales are less than 30 million yuan;

The standard for retail small businesses is that there are less than 100 employees or the company’s annual sales are less than 10 million yuan;

The standard for a small transportation enterprise is that the number of employees is less than 500 or the annual sales of the company is less than 30 million yuan; the standard for a small warehousing enterprise is that the number of employees is less than 100 or the annual sales of the company is less than 10 million yuan. .

As long as it meets one of the above criteria of number of employees or annual sales (total assets of the enterprise), it can be recognized as a small business.

What are the platforms where business licenses can be used for loans?

The platforms that can be used for loans with business licenses are listed below:

1. Have money to spend. Users are required to meet the age requirements of 18-55 years old, and must submit the corresponding second-generation ID card and debit card during the application process. It should be noted that the application only supports debit cards. The application card is also the user's loan bank card, and the ID card cannot be a temporary, expired or first-generation ID card.

2. Quick loans for small and micro enterprises. Small and micro enterprise quick loans include credit quick loans, mortgage quick loans, pledge quick loans and platform quick loans. Small and micro enterprise loan products are different, and the corresponding loan amounts, loan periods and loan interest rates are different. Of course, the corresponding processing conditions are also There will be a difference. You can log in to the official website of China Construction Bank and click under "Small and Micro Enterprises-Apply Now-Quick Loan Application".

3. Micro-industry loan.

Micro Industry Loan is a capital loan service provided by WeBank for small, medium and micro enterprises. Generally speaking, taxpayer enterprises, small-scale taxpayer enterprises or individual industrial and commercial households can apply for loans. The upper limit of the loan amount is 3 million, and the annualized interest rate may be as low as 3.6. The specific data is subject to the data after applying for the amount.

Extended information:

1. What materials are needed 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 My identity certificate, marriage certificate, address certificate, etc., and bank statements for more than six months must also be provided. The more complete the information you prepare, the easier it will be to apply for a loan.

2. Application process

1. The borrower will prepare the above information and submit it to the lending institution;

2. The lending institution will review the information and at the same time review the loan application The person conducts a pre-loan investigation;

3. After the investigation is passed, both parties sign a loan agreement;

4. After the agreement is signed, the lending institution issues the loan;

5. The borrower repays the loan in accordance with the contract.

2. Business License

A business license is a certificate issued by the industrial and commercial administration authority to industrial and commercial enterprises and individual traders allowing them to engage in certain production and business activities. Its format is uniformly stipulated by the State Administration for Industry and Commerce. The registration matters are: name, address, person in charge, amount of funds, economic composition, business scope, business method, 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 copy shall be placed in a conspicuous place at the company's residence or business premises, and the business license shall not be forged, altered, rented, lent or transferred. Industrial and commercial enterprises or self-employed individuals without a business license are not allowed to open their business. They are not allowed to engrave official seals, sign contracts, register trademarks, or publish advertisements. They are not allowed to open bank accounts.

How to get a loan for a small and micro enterprise?

Question 1: How to get a loan for a small and micro enterprise? You can get a corporate credit loan: you need a business license for more than 3 years, local real estate, and an annual turnover of more than 1.2 million. , so you can borrow up to 300,000.

Business mortgage loans can be made: real estate under the name of a legal person can be used as a mortgage loan, and the maximum loan can be RMB 140 of the total value of the property. The business license must be more than one year old.

Personal mortgage loans can be made: If you use a private property in your name as a mortgage loan, you can borrow up to 70% of the total value of the property

Question 2: How do small and micro enterprises apply for interest-free loans? What materials are required? Bank interest-free loans conditions:

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1. Chinese citizens aged 18 to 45 years old, with full capacity for civil conduct;

2. Proof of fixed residence and business place. The proof of fixed residence can be a real estate certificate (the real estate certificate in the name of the parents is also acceptable), and the proof of business place should hold a business license issued by the industrial and commercial administration authority and a business license for related industries, indicating that it is engaged in normal production and business activities.

3. Proof of funds. Loan applicants’ investment projects require that they already have a certain amount of their own funds. This is an important condition for banks to consider whether to lend money, because the amount of a business loan generally does not exceed 70% of the total working capital required by the borrower for normal production and operation activities, as well as the purchase (installation or repair) of small equipment and franchise chain operations. .

4. Settlement account. Loan applicants must open a settlement account with the loan bank, and business income must be settled through the bank. Moreover, the purpose of the loan complies with relevant national laws and the Bank's credit policy regulations, and is not allowed to be used for other speculative investment projects such as equity interests.

5. Loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge and third-party guarantee. In addition, they need to provide some information about their credit status, repayment ability and loan investment to the bank as much as possible, which will increase the integrity of the loan. degree in order to obtain a loan smoothly.

6. Good reputation and no bad records;

7. The project is in line with national industrial policies and regional economic development, and has good economic and social benefits. If entrepreneurs want to apply, they can consult with the local labor department.

At present, the relevant plan has not yet been determined whether the individual will pay the interest first and then receive financial subsidies, or the government will prepay the interest. However, the financial interest subsidy is certain.

The conditions for interest-free loans from each bank are different, but the above items need to be met, and there will be more procedures. Everyone must prepare all the information before taking the loan to avoid wasting money running back and forth. time.

Question 3: Provide the required information for small and micro enterprise loans? 1. Application form;

2. Company profile;

3. Copy of company business license;

4. Enterprise code certificate;

5. Tax registration certificate (national tax, local tax);

6. Special industry production and operation license, qualification certificate;

7. Articles of association;

8. Capital verification report;

9. Introduction to the legal representative;

10. ID card of the legal representative;

11. Legal representative issued by the company Certificate of identity;

12. The resolution of the board of directors approving the loan;

13. Financial statements verified by the accounting (auditing) firm in the past three years;

14. Balance sheet, profit and loss statement, and cash flow statement for the past three months;

15. Description of financial status: a) Description of liabilities; b) Description of investment; c) Description of corporate sales revenue and profit sources ; 16. Loan card and its password;

17. Description of loan guarantees provided to other enterprises;

18. Repayment plan;

19. Copies of current and upcoming business contracts;

20. Fund use plan or project feasibility report;

21. Materials required for collateral:

a) Proof of mortgage ownership (certificate of state-owned land use rights, house ownership certificate); b) Mortgage evaluation report.

Question 4: How do banks define loans to small and micro enterprises? Minsheng, China Merchants Bank, Shanghai Pudong Development Bank, Hua Xia, Guangfa and other banks are all joint-stock banks that pay more attention to small and micro loans. The definition of finance is different. Minsheng Bank targets small businesses and micro-enterprises with loans of 1 million to 5 million yuan, while Shanghai Pudong Development Bank promotes a large retail model, which mainly includes personal consumption, personal business loans, and small and micro loans of less than 5 million yuan. Hua Xia Bank is targeting personal business loans and micro loans below 2 million yuan.

Question 5: Application conditions for small and micro enterprise legal person loans. As far as I know, small and micro enterprise legal person loans are operating loans for small business legal persons. They are mainly used to meet the normal capital needs of enterprises in the production and operation process. . So, can corporate legal persons apply for corporate loans?

As far as I know, any small business that is eligible for a loan and has been approved and registered by the national industrial and commercial administration can apply to the bank.

1. Advantages of small and micro enterprise loans:

1. Higher loan limit

The credit limit for small business corporate loans is higher, such as the Postal Savings Bank of China regulations The maximum amount can reach RMB 20 million; the maximum loan period shall not exceed five years; the loan interest rate shall fluctuate appropriately based on the commercial loan benchmark interest rate of the People's Bank of China.

2. Diversification of small business loan methods

Small business corporate loans can adopt a variety of guarantee methods such as real estate mortgage, chattel pledge, guarantee, etc., or a combination of various guarantee methods .

2. Application conditions for small and micro enterprise corporate loans

1. Customer group: aged 24-65, limited companies or sole proprietorships that have been established for more than 6 months and have all three certificates Legal representative;

2. Income requirements: monthly income of more than RMB 30,000, personal or company turnover for the past six months is required;

3. Credit conditions: no bad record of malicious default;

4. Other conditions: Local real estate.

5. Other restrictions: High-risk industries such as entertainment and steel trade are not allowed to enter;

3. Small and micro enterprise legal person loan application materials:

1. Basics Category information: such as the business license (original and duplicate) that has passed the annual inspection and passed the annual inspection;

2. Information of the business owner and related personnel: such as valid identity documents of the legal representative and spouse, etc.;

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3. Business information, such as financial statements, bank account statements, etc.;

4. Mortgage materials, such as proof of ownership of the property to be mortgaged/pledged, etc.;

5. Other materials required for loan processing.

Question 6: How to apply for a small and micro enterprise loan? What qualifications are required? Small and micro enterprise loans

The materials that need to be prepared are:

1. Business license, Technical Supervision Bureau code certificate, tax registration certificate;

2. Account opening permit certificate, loan card;

3. Copy of ID card of the legal representative of the company, resumes of major shareholders and senior managers of the legal representative of the company;

4. Articles of Association, capital verification Report or relevant capital contribution agreement, joint venture agreement or partnership contract or agreement of each shareholder of the non-sole proprietorship;

5. Settlement account details in the past year;

6. The past three years Annual financial statements;

7. Financing-related contracts and vouchers.

Tao Finance’s five-step loan process: apply for a loan online; confirm by phone with a staff member; evaluate by a consultant; submit it to the bank; and provide the loan.

Question 7: How to apply for an ICBC small and micro enterprise loan? How do small and micro enterprises want to apply for an ICBC loan? So what materials do they need to prepare? The details are as follows: first, business license, technical supervision bureau code certificate, tax registration certificate; second, account opening license, loan card; third, copy of the identity card of the legal representative of the enterprise, and the personal identification of the main shareholders and senior managers of the legal representative of the enterprise Resume; fourth, the company's articles of association, capital verification report, or the capital contribution agreement, joint venture agreement, or partnership contract or agreement of each shareholder of the non-sole proprietorship, etc.; fifth, the settlement account details of the past year; sixth, the financial statements of the past three years; seventh, Contracts and vouchers related to financing. Of course, the specific regulations should be subject to the regulations of ICBC!

Question 8: How do small and micro enterprises apply for interest-free loans? For them, the biggest problem is the difficulty of financing. Due to their small scale and large number, under this economic wave, the existence of small and micro enterprises has become increasingly difficult. It's a pittance, and the bank ignores them because there are better customers waiting for them. So if small and micro enterprises want to apply for a loan from a bank, how do they apply? What are the specific steps? Materials to be prepared: Conditions (information) for small and micro enterprises to apply for loans 1. The company’s own business scale, financial equipment analysis and trend forecast 2. Cooperation needs, plans and suggestions 3. Product situation, market situation, enterprise development scale, and industry peers Level 4, enterprise loan card (copy) 5, enterprise legal person business license (annual inspection), enterprise legal person qualification certificate, enterprise organization code certificate, tax registration certificate, account opening license of the basic account opening bank, legal person identity Certificate (the above are all original copies), legal person resume 6. The company's business cooperation with various commercial banks and the company's internal financing status 7. The company's financial audit report for three consecutive years, and the latest financial statement (all need to be stamped with financial statements) 8. Articles of Association, signatures of legal persons and authorized persons and letters of authorization 9. Company profile, relevant background information and other basic information 10. Articles of Association, list of company board members Specific steps: 1. Submit application, basic information, auxiliary information, business Necessary information for operation: a. Credit application, resolution of the company's board of directors (if required by the company's articles of association); b. The company's specific loan purpose and direction of fund use (loan plan, total loan amount); c. Analysis of repayment sources (plans and measures) , and make monthly cash flow analysis on the repayment fund arrangement; d. Mortgage situation, other relevant legal documents, correspondence, etc. 2. Conduct project approval, credit assessment, feasibility analysis, comprehensive judgment and pre-loan review 3. Sign a contract If the bank, after reviewing the loan application, deems that it is all in compliance with the regulations and agrees to lend, it should sign a "Loan Contract" with the lender.

4. After the loan grant contract is signed, both parties shall verify the loan in accordance with the provisions of the contract. The financier can handle the withdrawal procedures according to the contract: when withdrawing the money, the financier fills in the withdrawal voucher uniformly formulated by the bank, and then goes to the bank to handle the withdrawal procedures. Here, I would also like to remind you: When dealing with banks, small and micro enterprises must make the banks absolutely assured of the safety of their loans.

Question 9: How do banks define loans to small and micro enterprises? Conditions for enterprise loans:

1. Enterprises must be approved by the national industrial and commercial administration department to establish, register, and hold Business license.

2. Implement independent economic accounting, enterprises operate independently and are responsible for their own profits and losses. That is, the right of an enterprise to independently engage in production and business activities; have independent operating funds, independent financial plans and financial statements; independently calculate profits and losses, and sign purchase and sale contracts independently.

3. Have a certain amount of own funds. If an enterprise does not have a certain amount of its own funds, once a loss occurs, bank loans will inevitably be in crisis and credit funds will suffer losses.

4. Comply with policies, regulations and bank credit and settlement management systems, and open basic accounts and general deposit accounts in banks as required.

5. Production and operation are profitable. The products produced and operated by enterprises must be marketable, short-term products that are marketable and can bring benefits to society and enterprises

and improve the utilization rate of credit funds.

6. Keep your word. After an enterprise obtains a loan, it must also strictly perform its obligations stipulated in the contract.

7. When an enterprise applies for a loan, it should also meet the following requirements: the original interest payable and due loans have been paid off, and those that have not been paid off have made a repayment plan approved by the lender

; The borrower should have gone through the annual inspection procedures with the industrial and commercial department; except as stipulated by the State Council, the cumulative amount of the company's external equity investment does not exceed 50% of its total net assets; the borrower The asset-liability ratio meets the loan requirements; the ratio of the corporate owner's equity of a new project applying for a medium- and long-term loan to the total investment required for the project is not lower than that of investment projects stipulated by the state

Capital ratio.

Question 10: Why is it difficult for small and micro enterprises to get loans? It is definitely difficult for banks. They only serve large-amount loans and look down on small businesses. Private loans are now very convenient, but the cost is slightly higher.

That’s it for the introduction of small business industrial and commercial license loans.