A better platform for using business license loans: Business license loans can be applied not only in banks or finance companies, but also online. At present, there are many business license loans on the Internet, including: point-financing grain loans, small loans from Agricultural Bank of China, small and micro enterprise loans from Weizhong Bank, CCB knows you, and Xindu loans. Among them, Agricultural Bank Micro-loan is a business license loan business launched by Agricultural Bank of China. As long as it is provided for small and micro enterprises, borrowers can apply through online banking and mobile banking. At present, the maximum loan amount of agricultural bank of China Weijie loan is 654.38+0 million, and the loan period is 654.38+0.2 months. You can refer to it The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully! Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods. Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

Pay special attention to the amount of money spent: 1. After the amount is spent, it should be withdrawn as soon as possible, because the amount may become invalid after a long time. 2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer. Anyway, Baidu Finance supports free prepayment. If it is not needed in a few months, you can choose to settle in advance. It doesn't matter to us how long the interest will last. Make sure to mention it first. My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent.

Second, I am a self-employed, and my business license is less than 1 year. I need money badly and want to borrow 50,000 yuan. What network? ...

Small loans;

I. Product objectives

Individual industrial and commercial households (operating for more than half a year) and legal representatives or shareholders of limited liability companies (less than 5 people).

Second, the product term and amount

The loan term is 1- 12 months, 1, 000-200,000 yuan, and the minimum change unit is 1, 000 yuan.

Personal commercial loans;

I. Product definition:

Short-term and medium-term commercial loans to small private entrepreneurs (natural persons) secured by real estate.

Second, the loan object:

1. Participate in production and operation: self-employed and wholly-owned enterprises must be legal representatives, partners or shareholders, with more than 30% of the shares;

2. Legal business procedures: business license, tax registration certificate and organization code certificate;

3. Operating period: generally 12 months, and it can be extended to 6 months if the credit status is particularly good;

4. Individual industrial and commercial households; Sole proprietorship; Partners in a partnership; Shareholders of a limited liability company

Three. Credit limit:

1. At present, the maximum amount is 3 million yuan, which is determined according to the actual situation in various regions of the country;

2. Mortgage real estate appraisal value or 60% of the credit standard of the head office;

Third, how to apply for a loan to apply for a business license?

1. The loan applicant must have a fixed office and have a local business license for one year;

2. Bring personal identity card information, raw materials and the profit form of the enterprise in recent years to the bank for a clear application;

3. Waiting for the test and audit results of the bank;

4. Sign a contract with the bank, and the bank will issue loans according to the contract.

Business license is a certificate issued by the administrative department for industry and commerce to industrial and commercial enterprises and individual operators to engage in certain production and business activities. Its format shall be uniformly stipulated by the State Administration of Market Supervision.

The registered items include: name, address, person in charge, amount of funds, economic composition, business scope, business mode, number of employees, business period, etc. Business licenses are divided into originals and duplicates, which have the same legal effect. The original shall be placed in a prominent position in the company's domicile or business premises, and the business license shall not be forged, altered, leased, lent or transferred.

Without a business license, industrial and commercial enterprises or individual operators are not allowed to start business, engrave official seals, sign contracts, register trademarks or advertise, and banks are not allowed to open accounts.

20 1 On September 28th, 2008, the first batch of 1 1 business licenses and1industrial product production licenses were born in G60 Science and Technology Corridor in the Yangtze River Delta. On March 1 2009, a new version of the business license was launched nationwide. On April 65438, 2065438, the Beijing Municipal Market Supervision Bureau and other six departments issued the Notice on Improving the Efficiency of Enterprise Start-up, which showed that the applicant handled business through the "electronic window" platform, and the market supervision department approved it within 1 day, and issued an electronic business license to the enterprise. Other matters are completed in parallel within 24 hours, and the enterprise can reach the operating conditions in 2-3 days.

Second, the difference between the original and the copy.

The original and duplicate of the business license have the same legal effect, and there is no difference in essence. If there is a difference, it is only a form of representation. In terms of use, it was originally "must be hung" in an obvious place in the business premises, otherwise it may be fined for not hanging the license; Copies are generally used for going out to handle business, such as handling bank account opening license, enterprise organization code certificate, tax registration certificate, signing contract, etc.

Third, the new license.

On March 1 2009, a new version of the business license was launched nationwide. All kinds of market entities approved by the registration authority to establish, change their registration and renew their business licenses shall renew their new business licenses. Various market entities that have existed before can continue to use the original business license or apply for a new business license.

The new business license will print the national emblem, border, title (business license), the website of the national enterprise credit information publicity system, the official seal of the registration authority, the year, month and year, and the supervision of the State Administration of Markets. , and print a unified social credit code and number, the name and content of the recorded items, two-dimensional code and other contents, of which a copy will be printed face to face with the tips of the annual report. On March 1 2022, the Regulations on the Administration of Registration of Market Entities (hereinafter referred to as the Regulations) came into effect. On the morning of 10, Zhang Yun, the legal representative of Anhui Chen Yin Trading Co., Ltd., received the business license in the government affairs hall of Baohe District, Hefei, which was the first business license issued by our province after the implementation of the Regulations.

4. Which loan is easier to borrow, the company business license or the individual business license?

The company's business license is mainly aimed at corporate loans (the shareholding system also depends on the qualifications of shareholders), and the personal business license is generally a company's personal loan. Looking at these two terms, we can simply understand them as corporate loans and personal loans. Of course, if you are an office worker in a large enterprise, you only need your ID card, work certificate and income certificate to apply for a personal loan, and it does not involve the company's business license. If it is a corporate loan, we must evaluate the overall qualification of the company, and the amount will be higher!