Legal analysis: If a friend lends you your business license to get a loan, it will affect you. 1. Your enterprise is the main borrower. If the actual borrower and guarantor fail to repay the loan or are insolvent, the bank will sue your enterprise, and the court will decide that the income of your enterprise will be used to repay the debt first, or seal up your enterprise after the auction and freeze its assets to pay off the debt; 2. If the other party fails to repay the loan on time or is overdue, your corporate credit will be affected; 3. If the bank provides false information when lending, and the actual borrower and guarantor run away, you may be falsely defrauded by the bank, prosecuted for fraud, or even imprisoned.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.