1. Can I get a loan without a business license and without a guarantor

1. Submit a business license loan application to the bank and inquire about loan-related matters;

2. Submit information related to the business license loan process, such as business license certificate, bank statements for the past six months if a self-employed person applies for a loan, and business statements for the past year for a corporate loan, as well as corporate financial statements, etc. and the borrower’s credit report.

3. Wait for the bank’s review. If the review is passed, both parties will sign a loan contract. If you are applying for a mortgage loan, you will go through the mortgage registration procedures.

4. The bank issues loans to the designated account.

2. How to check whether the business license has a loan

You can check it through the country. The specific steps are as follows:

1. First, search for national enterprise credit information through Baidu Public notification system, after finding the official website. Click to open

2. Then, enter the company name or credit code you want to search for in the search box, legal person name, etc.:

3. Take Shanghai Lianjia as an example, enter the key After the words, click on the inquiry interface;

4. In the search results, select the company you want to inquire, company name information and current business status;

5. Click on the company you want to inquire , find out whether the animal company has been mortgaged;

A business license is a certificate issued by the industrial and commercial administration to industrial and commercial enterprises and self-employed individuals allowing them to engage in business. The format is determined by the National Industrial and Commercial Administration

The registration items are: name, address, person in charge, amount of funds, economic composition, business scope period, etc. A business license is divided into an original and a duplicate, both of which should be placed in a conspicuous place at the company's residence or business premises. The business license is licensed and 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.

Legal basis

A company established in accordance with Article 7 of the "Company Law of the People's Republic of China" shall be issued a company business license by the company registration authority. The date of issue of the company's business license is the date of establishment of the company.

The company's business license shall state the company's name, address, registered capital, business scope, and legal representative's surname

If the matters recorded in the company's business license are changed, the company shall handle them in accordance with the law For changes in registration, the company registration authority shall renew the business license.

Article 8 of the "Company Law of the People's Republic of China" stipulates that the words "limited liability company" or "limited company" must be indicated in the company name.

A joint-stock company established in accordance with this law must indicate joint-stock company or shares in the company name

3. Can a self-employed person apply for a loan if he does not have a business license

< p>Hello, how to apply for a self-employed loan? Youqianhua will answer your questions immediately:

1. Application conditions for self-employed loans

1. Chinese citizens with full capacity for civil conduct, under the age of 60 (inclusive), are eligible for the loan The bank must have a fixed residence and a permanent residence or valid residence certificate;

2. The borrower and its business entity have a good credit record and willingness to repay, and have no record of default;

3. The operating situation is good and stable;

4. Have more than one year of experience and good business records in their business field, and the operating period is in principle more than one year (inclusive);

< p>5. Have a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

6. The product has a market, is profitable, and has good business prospects;

7. Business entities owned by the borrower and his or her spouse (including sole proprietorships, sole proprietorships, and partnerships) have no financing from banks.

2. Self-employed loan application materials

1. Originals and copies of valid identity documents and marriage relationship certificates of the borrower and spouse;

2. Borrower and the spouse’s local permanent residence or local long-term residence certification materials;

3. For a business license to engage in production and operation, the original and copy of the business license from the relevant administrative department should be provided;

4. Proof of the borrower’s spouse’s commitment to repay the loan together;

5. Other materials to be provided by the lending institution.

At the same time, if you need money urgently, it is recommended that you choose a big brand for loans. The interest rates are transparent and your information security is guaranteed. "Youqianhua" is the original Baidu financial credit service brand (original name: Baidu has money to spend), its positioning is to provide personal consumer credit services to the public and create an innovative consumer credit model. Relying on Baidu's technology and scenario advantages, "Youqianhua" uses artificial intelligence and big data risk control technology to provide users with convenient, fast and secure Internet credit services. The application materials are simple and the fastest is 30 seconds for approval, and the fastest is 3 minutes. Loans. You can repay in advance, and after repayment, the amount can be restored and you can borrow money on a recurring basis. I hope this answer is helpful to you. Click below on your mobile phone to measure the amount immediately. The maximum loan amount you can borrow is 200,000. 4. Can I get a loan without a business license?

The loan must meet its conditions before the loan can be made. Loan application conditions:

1. Chinese citizens who have a fixed residence in China, have a permanent residence in a local urban area, have full capacity for civil conduct, and are 18-65 years old;

2. Have Have a legitimate and good occupation with stable economic income, and have the ability to repay the principal and interest of the loan on time;

3. Abide by laws and regulations, have no illegal activities or bad credit records;

4. Purpose of the loan It must be clear, comply with national regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.