Company transfer generally refers to the overall transfer of 100% of the company's equity, that is, the shareholders have changed, and may also be renamed, but they still exist as the main body of the company, which generally does not affect the performance of the loan contract with banks or financial institutions. The law does not prohibit companies with outstanding loans from making equity changes. But pay attention to the following two points: 1. At present, when most banks or financial institutions issue loans to companies, they will require the shareholders of the company to take personal property as the loan guarantee. When the company's shareholders change, the original guarantor's guarantee obligation will not change because he no longer serves as the company's shareholder, that is to say, the original shareholder still bears the guarantee responsibility, and the lender usually will not agree to the company's request to change the guarantor. Second, some loan contracts will stipulate clauses prohibiting shareholders from changing. In this case, if the company transfers, the loan may be recovered in advance.

legal ground

Article 71 Shareholders of a limited liability company may transfer all or part of their shares to each other. Shareholders' transfer of equity to persons other than shareholders shall be approved by more than half of other shareholders. Shareholders shall notify other shareholders in writing to agree to the transfer of their shares. If other shareholders fail to reply within 30 days from the date of receiving the written notice, they shall be deemed to have agreed to the transfer. If more than half of the other shareholders do not agree to the transfer, the shareholders who do not agree shall purchase the transferred equity; Do not buy, as agreed to transfer. Under the same conditions, other shareholders have the priority to purchase the equity transferred with the consent of shareholders. If two or more shareholders claim to exercise the preemptive right, their respective purchase proportions shall be determined through consultation; If negotiation fails, the preemptive right shall be exercised in accordance with their respective investment proportions at the time of transfer. Where there are other provisions on equity transfer in the articles of association, such provisions shall prevail.