First of all, the business license meets a certain period of time, usually more than one year. The entertainment circle is not good, and the steel trade is not good. Secondly, there are two ways: mortgage loan and secured loan. Mortgage companies need fixed assets such as land, factories, offices and houses as collateral. The secured loan company needs to find a guarantee. If the loan amount is not large, they can find someone to guarantee it; if the loan amount is large, they need to find an enterprise to guarantee it.

Personal business loans refer to loans issued by banks and other financial institutions to borrowers for working capital turnover, purchasing or updating business equipment, paying the rent of leased business premises, decorating commercial houses and other legal production and business activities. This kind of loan is similar to SME loan to some extent, and its business management is more complicated. Therefore, banks generally only choose the operating institutions of personal loans from branches with good economic environment, great market potential, high management level, good asset quality and low personal loan non-performing rate. Personal business loans are available to China citizens (excluding Hong Kong, Macao and Taiwan residents) who meet our personal business loan policy and have full civil capacity, including individual industrial and commercial operators, major partners of sole proprietorship/partnership/limited liability companies or major natural person shareholders. If the legal person is not the main partner, actual controller or shareholder of the enterprise, it does not meet the target requirements of the personal business loan method.