One is mortgage loan, provided that you have something valuable to mortgage, such as a house and a car.

Second, pledge loans, generally some securities, such as stocks and bonds.

The third is secured loans. Of course, we must find a person or unit with good credit and strong repayment ability to guarantee.

The fourth is to find venture capital, but they need to see how your project is, and they don't need mortgage, as long as they think your project can make money back.

You can apply for a start-up loan.

I wonder whether it is necessary to prove the relationship between the guarantor and the lender. You can consult your local bank for specific operation and give you more specific suggestions.

Personal business start-up loan: Business start-up loan refers to a special loan issued by an individual who has certain production and business operation ability or has been engaged in production and business operation activities, after applying for capital requirements for starting or re-starting, and being approved by the bank for effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years. In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers launched in many areas can also enjoy 60% government discount.

Commercial mortgage loan: At present, banks handle many personal loans, so long as the mortgage procedures meet the requirements, banks will not ask. People who need to start a business can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. If you need to buy commercial housing along the street, you can apply for a commercial housing loan from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years. Borrowers who need to buy cars, trucks, buses, mini-cars and taxis can also apply for auto consumption loans, which generally do not exceed 80% of the purchase price, and the loan period does not exceed 5 years.

Secured loan: If you don't have a certificate of deposit, national debt or insurance policy, but your wife or parents have a stable income, it can also be an excellent credit resource. At present, banks have a soft spot for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions just by looking for one or two colleagues to guarantee them. Moreover, this kind of loan does not need to go through any mortgage and evaluation procedures. If you have such a relative, you can apply for a loan in his name, and you can get the venture capital on the same day when you prepare all kinds of materials.