How to use the business license for loan

How to use the business license for loan? Which platform is better for business license loan?

The loan conditions of business license are as follows:

Ordinary banks will require operating time of more than one year. It is estimated that new business licenses cannot be loaned, but different banks have different requirements. You can ask more banks.

Which platform is better for business license loan?

Agricultural Bank of China Micro-credit

Agricultural Bank of China Micro-credit is also for small and micro enterprises, and you can apply through online banking and mobile banking. The loan amount of Agricultural Bank of China Micro-Jet Loan can reach 1 million, and the loan period is 12 months.

Micro-enterprise loans from Weizhong Bank

Micro-enterprise loans from Weizhong Bank are loans that can be handled with business licenses. The main open areas are Guangdong, Jiangsu, Hunan, Shandong, Tianjin, Shaanxi, Zhejiang, Henan, Chongqing, Yunnan and Jiangxi. The loan amount of small and micro enterprise loans can reach 3 million yuan, and the longest loan period is 36 periods.

CCB understands you

CCB understands that you are an APP for small and micro enterprises, which can handle loans for enterprises. Small and micro enterprises can apply for loans of up to 5 million yuan with business licenses and tax payment information, and the service period is 12 months.

when everyone is short of funds, I use no less than 1 loan products myself. To sum up, I still recommend the rich flowers with a small degree (formerly known as Baidu Finance) for the following reasons: 1. Compared with the invitation system of borrowing and micro-loans, the rich flowers can apply actively. 2. The maximum amount is 2, yuan, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, a formal platform, don't worry about routines;

4. Generally, regular products are strictly audited. Although it is easy to use, it is difficult to apply, and so is the money spent. However, I found an exclusive application channel for internal personnel, and the payment rate is very high, so it is the most recommended product in the product. Since I have recommended it to everyone, I will present the exclusive application channel together, so it is good for friends who need it to apply for it themselves.

Just remember to use it on the same day when you get the amount of flowers, otherwise.

The degree is small and full-you can spend money (in batches of seconds) and click online to measure the amount

There is another one: the 36 loan is actually the anti-virus king Qihoo 36 online loan platform, which mainly provides pure credit loans for everyone, with a limit of less than 2, yuan, a service period of 1-12 months and a daily interest rate as low as .27%. As a platform under the network security giant, 36 IOUs are still more reliable than ordinary platforms.

36 IOUs can borrow up to 2, yuan!

Click on the online measurement

Third: "New One Loan" is an unsecured RMB loan business owned or issued by Ping An Bank for personal legal consumption or business purposes other than housing purchase. Complete information, 1-3 working days to lend money.

The application threshold is low: you can apply with an average monthly income of more than 4, yuan (car loan, mortgage, provident fund and insurance policy are the best), and the amount is appropriate and the repayment is flexible: the loan amount is 1, yuan to 5, yuan; The loan period is 12 months, 24 months and 36 months, and the excellent occupation can be as long as 48 months.

Click on the online measurement of Ping An Xinyi Loan

The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so be careful when choosing!

how to use the business license for loan?

A better platform for using business license loans:

Business license loans can be applied not only in banks or financial companies, but also online. 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 Know You, and Douxin Loan.

Among them, Agricultural Bank of China Micro-Credit is a business license loan business launched by Agricultural Bank of China. As long as it is provided for small and micro enterprises, borrowers can apply through online banking and mobile banking. 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 when choosing!

I was in need of business turnover myself before. I used several products, and the first one I applied for was a small amount of money (formerly Baidu Finance), which was exactly 1W (the maximum platform support was 2W), and the interest rate was also 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 there is no charge for the application process and the whole process of receipt.

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. Cash out as soon as possible after the money has been spent, because the amount may become invalid after a long time.

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), resulting in rejection in the withdrawal process, and it is safer to withdraw at least 6%.

Anyway, Baidu Finance supports free prepayment. If it is unnecessary to use it for several months, you can choose to settle it in advance. As long as the interest is paid, there is no loss for us. Let's make sure to mention it first.

I applied for 36 IOUs for the second time. After all, they are all big platforms, so I applied for them first. The quota is 5.5W, and the interest is almost the same as the money spent.

36 IOUs can borrow up to 2, yuan!

Click on online measurement

There is also a trick to apply for 36. After simply filling in the information at the beginning, the amount that comes out is only a basic amount, such as 5, 1W5, etc. If you feel that the amount is not enough, you can apply for the privileged loan directly without withdrawing cash. This is a large amount. As long as you have the basic amount, the privileged loan will definitely pass and the amount will be greatly increased, and the privileged loan supports 24 installments. My basic quota is 9 yuan, which is 5.5W after upgrading the privileged loan.

The third one is that Ping An Bank can borrow up to 5, yuan for a new loan (quick loan)! mortgage and guarantee: without any guarantee, only relying on personal credit, the application threshold is low: you can apply for an average monthly income of more than 4, yuan (provident fund, mortgage and insurance policy are all acceptable)

Click online to measure the amount of Ping An New Loan

How to get a loan online

You can get a loan with a business license, but you must also meet the conditions of the loan and bring other relevant materials. You must prepare the tax registration certificate, the identity card of the legal person and his spouse, the marriage certificate, the household registration book, the rental contract of the business premises, and the product certificate of the goods you sell before you can apply for the loan. Of course, not every bank is the same. It is recommended to consult the relevant banking departments for understanding.

The application steps of business license loan are as follows:

1. Apply to the bank and submit complete loan procedures. In addition to providing the original and photocopy of the business license, the borrower should also prepare these materials: the original and photocopy of the identity card of the enterprise legal person or individual merchant, the annual report of the enterprise in the past three years or the running of the store, and the corporate bill in the past six months.

second, the bank reviews the application materials and checks the borrower's difference adjustment before lending. This step mainly looks at the specific economic situation of the operator to predict the lender's repayment ability.

third, the borrower and the borrower sign a loan contract.

iv. Lending institutions issue loans.

5. The borrower shall repay the loan principal and interest in full and on time as agreed in the contract.

Legal basis: Poor Potato

Article 2 of the Regulations on Individual Industrial and Commercial Households, individual industrial and commercial households may, with their business licenses and tax registration certificates, open accounts in banks or other financial institutions according to law and apply for loans. Financial institutions should improve and perfect financial services to facilitate individual industrial and commercial households to apply for loans.

article 36 of the law of the people's Republic of China on commercial banks, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral and pledge, and the feasibility of realizing mortgage and pledge. After examination and evaluation by a commercial bank, it is confirmed that the borrower's credit standing is good and the loan can be repaid, and no guarantee may be provided.

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Can individual business licenses be loaned?

Individual business licenses can be loaned, and the following conditions must be met:

1. Individual business licenses need to be operated for more than one year, and they need to be audited by the industrial and commercial departments;

2. China citizens who have full capacity for civil conduct and have permanent residence;

3. The borrower must have sufficient repayment ability to provide the bank with running water for nearly half a year;

4. It has a fixed business place and a stable income.

5. Good credit record. The process of handling the loan for self-employed business license is as follows:

1. The borrower applies to the lending institution and submits the materials needed for the loan.

2. The lending institution examines the application submitted by the borrower and conducts a pre-loan investigation on the borrower. If there is collateral (pledge) as collateral (pledge). Find a professional evaluation agency to evaluate the value of collateral (pledge).

3. After the materials are approved, the two parties negotiate and reach an agreement on the loan, sign a loan contract, the borrower goes through the formalities of mortgage (pledge) registration, and the lending institution issues the loan after the formalities are completed. To apply for the establishment registration of individual industrial and commercial households in accordance with Article 5 of the Regulations of the People's Republic of China on the Administration of Company Registration, the following documents shall be submitted:

(1) An application for the establishment registration of individual industrial and commercial households signed by the applicant;

(2) the identity certificate of the applicant;

(3) proof of business premises;

(4) other documents required by the laws and regulations of the state. Article 1: After receiving the application for registration submitted by the applicant, the registration authority shall accept it if the application materials are complete and conform to the statutory form. If there are errors in the application materials that can be corrected on the spot, the applicant shall be allowed to correct them on the spot. Article 11: When accepting an application for registration, the registration authority shall issue a notice of acceptance to the applicant.

How to apply for a loan with a business license

1. The office of the loan applicant must be fixed and 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.

How to borrow the business license of individual industrial and commercial households

The business license of individual industrial and commercial households can be loaned, and the following conditions must be met: 1. The loan of individual business license needs to be operated for more than one year, and it needs to be audited by the industrial and commercial department; 2. China citizens who have reached the age of 18 with full capacity for civil conduct have permanent residence; 3. The borrower must have sufficient repayment ability, and can provide the bank with running water for nearly half a year. Let's take a look at it with the legal express xiaobian.

1. How to get a loan with a business license

When applying for a loan with a business license, in addition to the business license, the borrower needs to provide his identity certificate, marriage certificate, address certificate, etc., and at the same time, he must provide a bank account for more than half a year. The more complete the information, the more favorable it is to apply for a loan. Self-employed business license loans have strong pertinence and flexible repayment methods. Strong pertinence: tailor-made for individual industrial and commercial households, and meet the capital needs of individual industrial and commercial households in many aspects. Flexible repayment method: the maximum loan balance management is implemented, and different repayment methods can be selected.

Application process:

1. The borrower prepares all the above materials and submits them to the lending institution;

2. The lending institution shall review the materials and conduct a pre-loan investigation on the borrower;

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.