1, the project has been in operation for one year and holds a business license;
2. At least 18 years old and have permanent residence;
3. Provide qualified guarantor or collateral;
4. Stable income, good credit and strong repayment ability;
5. Have a fixed business place.
The above is the business license. Can I apply for a loan?
Use of loans
1. Use of corporate loans: Corporate loans are mainly used for the renovation of inventories and fixed assets. From the perspective of working capital, industrial enterprise loans are mainly used for the capital needs of raw material reserves, products and finished goods inventories. Commercial enterprise loans are mainly used for commodity inventory and cash settlement required by industrial and commercial enterprises in the process of selling commodities;
Two. Personal loan purpose:
1. Personal consumption loan: refers to that citizens with corresponding incomes apply for loans from banks, guarantee corresponding guarantees, repay their loans at maturity and pay interest;
2. Credit card overdraft loan: When the credit card user fails to spend or shop as required, the credit card user is automatically given the required loan amount according to the limit agreed by the bank and the user in advance.
This article mainly writes the relevant knowledge about whether a business license can apply for a loan, and the content is for reference only.