The business license is an effective certificate of the legitimate business rights of an enterprise as a legal person or individual industrial and commercial households. When enterprises or individuals apply for loans in the name of operating enterprises, it becomes an important reference for lending institutions. Then, how do enterprises or self-employed individuals use business licenses to make loans, and what are the loan conditions and interest standards of business licenses? In fact, the business license loan is not a loan obtained through the mortgage or pledge of the business license, but a tool for the loan company to comprehensively evaluate the borrower's credit qualification by combining other loan information.

Can I get a loan with my business license?

For business owners, loan is the best emergency way in the case of urgent need of capital turnover, but can enterprises borrow with business licenses?

It is reported that no matter whether an enterprise applies for a loan from a bank or a loan company, it must provide a business license. However, it is unrealistic to rely on the business license for loans, because lending institutions cannot judge whether they have the ability to repay in full and on time, so they will not issue loans to ensure the smooth recovery of loans. Enterprises want to obtain loans smoothly, in addition to providing business licenses, they also need to prepare the following materials:

1. Original and photocopy of legal person ID card;

2. Organization code certificate; Account opening permit;

3. Tax registration certificate; the Articles of association of the company

4. Capital verification report;

5. Loan card;

6. Annual reports for the last three years;

7. Financial statements for the last three months;

8. Company bills for the past six months;

9. Business premises lease contract;

10. Other information required by the lending institution.

1 1. In addition, enterprises applying for mortgage loans should provide collateral ownership certificate, collateral evaluation report and other materials in addition to the above procedures.

What conditions and materials do you need for a business license loan?

Self-employed people will inevitably encounter capital turnover difficulties in the course of business operation. In this case, most people think of loans first, but can self-employed people apply for loans with their business licenses? If yes, how to apply for a business license loan? If the self-employed want to apply for a loan only with their business licenses, there is no way! Because the lending institution cannot judge whether it has the ability to repay the principal and interest of the loan according to the certification materials, in addition to the business license, it also needs to provide: my valid identity certificate, residence certificate, marriage certificate, bank account opening license, tax registration certificate, business place certificate, company bank running water and other information. At the same time, self-employed individuals applying for loans also need to meet the following conditions:

1. has full capacity for civil conduct and can provide valid identity documents;

2. Having a fixed business place in the local area;

3. It has been registered and operated locally for more than one year;

4. Have a good credit record;

5. It can provide bank flow for nearly half a year;

6. Other requirements of lending institutions.

Business license loan processing flow

The so-called business license loan is actually a form of credit loan, not to say that "only a business license can be used for loans". We must pay attention to this. Let's look at the business license loan process.

Step 1: The borrower applies for a loan from a lending institution and submits complete loan procedures;

The second step: the lending institution reviews the information and conducts a pre-loan investigation on the borrower;

Step 3: After the investigation by the lending institution, the borrower and the lender sign a loan contract;

Step 4: Lending institutions issue loans; Step 5: The borrower shall repay the loan principal and interest in full and on time as agreed in the contract.

Individual industrial and commercial households business license loan interest

For some self-employed, business license loans are not unfamiliar, but for those who are new to this kind of loans, there are too many questions to ask, such as: Can you really borrow money only by business license? What is the interest on the business license loan? ...

Can I get a loan with my business license? First of all, I want to tell you for sure: you can't apply for a loan just by your business license! Therefore, if you see some lending institutions claiming that "loans can only be obtained with business licenses", you'd better take a detour to avoid being cheated.

Business license loan interest. Compared with mortgage loan, the interest of business license loan is higher, because you don't have any collateral (pledge) as a guarantee. In order to control the credit risk, lending institutions only have to increase the loan cost, and compared with banks, the loan interest given by lending companies is higher, and the monthly interest rate is generally around 2%. Of course, the specific interest rate obtained by the borrower will be determined by the lending institution according to its qualifications. In other words, if the qualifications are good, the loan interest rate will be low, and vice versa.