You can get a loan by using the company's business license, but you must meet the following conditions: 1, and you must legally obtain a business license for one year or actually operate for one year; 2. It has an account at the place where the loan bank is located, and the company legal person 18 years old or above has civil capacity; 3. Open an account in a bank that needs a loan; 4. There is a certain source of repayment in the place where the account is located, and its monthly operating income must be higher than the monthly repayment amount; 5. Mortgagable items should be provided before the loan.

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.

Just registered the company, can I get a loan?

If you apply for a personal loan, then the newly registered company can also apply for a personal loan. If the application is for corporate loans, the general bank will require the company to be registered for at least 1 year, then the newly registered company cannot make corporate loans. Or apply for a mortgage loan, the bank has no requirement for the company's registration period, as long as it can provide collateral recognized by the bank, it can apply for a loan.

Different loan application conditions are different. If you can't apply for corporate loans, you can try to apply for other loans.

Can I get a loan with a company license?

The company's business license can be used to apply for loans, but the business license is only one of the loan conditions, and other loan conditions of the bank need to be met before applying for loans. For example, the company needs to have sufficient operating income, a real business place or address, and collateral recognized by the bank. When all loan conditions are met, the pass rate of loan application will be high.