It depends on what kind of money you want to borrow. If it is a loan to buy a house, you don't need to provide proof of income if you have a business license. Just bought a house, business license as a reference. You can't just borrow money with your business license. I hope my answer can help you!

Second, can the company's business license be loaned?

If the company's business license is new, it cannot handle the loan business. The specific loan conditions of the business license are: (1) having full capacity for civil conduct and having an account in the local city; (2) Having a fixed business place or address in the local area, and having legal, stable and sufficient business income as the first repayment source; (3) Being able to provide legal, sufficient and easy-to-realize collateral; (4) Open a deposit account in a loan bank. Loan materials: (1) original ID card, household registration book and a copy consistent with the original; (2) Provide the original and photocopy of the annual business license and tax registration certificate; (3) Relevant materials that can prove their lawful income; (4) Relevant materials that can prove their marital status; (5) Provide legal and sufficient collateral and evaluation report; (6) The mortgagor or pledger shall fill in the pledge in bank format; (seven) other information required by the bank.

Third, how to use the company's business license for loans?

Brand model: iphone 13

System version: iOS 16

Software version: ICBC Mobile Banking 8.0. 1.

With the company's business license, you can make loans through ICBC mobile banking. The specific operation is as follows:

Click the merchant loan application 1 of ICBC mobile banking, and click the loan.

First open and log in to ICBC mobile banking on your mobile phone, and then start at the first one.

2. Click Xiao Wei Electronic Loan.

Then, click Xiao Wei Electronic Loan.

3. Click on the commercial quick loan.

Then click Business Quick Loan.

Step 4 click on the maker

Click on the merchant loan.

5、

Finally, click Apply Now.

Legal basis: Article 10 of the General Principles of Loans.

The borrower shall be an individual industrial and commercial household approved and registered by the administrative department for industry and commerce or a person with China nationality.

To apply for a loan, the borrower must meet the following conditions: the market, production and operation are profitable, and they are not excluded and trustworthy.

(1) The original loan interest payable and the loan due have been paid off; There is no repayment plan;

(2) Except for natural persons and industrial and commercial departments that do not need to be approved and registered by the industrial and commercial departments for annual inspection;

(3) Opening a basic account or general deposit account.

4. Can I get a loan for my business license?

You can borrow money with a business license, but at the same time you must meet the conditions of the loan. Business license is an essential material for enterprises to apply for loans, but a separate business license cannot be used for loans. In addition, the general rule of banks is to obtain a business license for at least 1 year before applying for loans, and a few financial institutions have lowered the threshold to half a year.

When applying for a loan, an enterprise shall provide the following materials in addition to its business license:

(1) Borrower's identity certificate;

(2) enterprise tax registration certificate;

(3) Organization code certificate;

(4) enterprise loan card;

(5) an account opening permit;

(6) Certificate of running water of enterprise bank (at least half a year)

(seven) other information required by the bank.

legal ground

Article 36 of the full text of the Commercial Bank Law states that a borrower shall provide a guarantee when lending to a commercial bank. 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.