You can get a loan with a business license, but you must also meet the conditions of the loan and bring the rest of the relevant information. You must prepare the tax registration certificate, the ID card of the legal person and their spouses, the marriage certificate, the household registration book, the lease contract of the business premises, and the product certificate of the goods sold before you can apply for a loan. Of course, not every bank is the same. It is recommended to consult relevant banking departments.

The application steps of business license loan are as follows:

First, apply to the bank and submit a complete loan procedure. In addition to providing the original and photocopy of the business license, the borrower should also prepare these materials: the original and photocopy of the identity card of the enterprise legal person or individual merchant, the annual report of the enterprise in the past three years or the store it has operated, and the enterprise bill in the past six months.

Two, the bank audit application materials, the borrower in the loan adjustment before the key check. This step mainly depends on the specific economic situation of the operator to predict the repayment ability of the lender.

III. The borrower and the borrower sign a loan contract.

4. Lending institutions issue loans.

Five, the borrower in accordance with the contract agreed to repay the loan principal and interest in full and on time.

Legal basis: trapped potatoes

Article 20 Individual industrial and commercial households may, with their business licenses and tax registration certificates, open accounts in banks or other financial institutions according to law and apply for loans. Financial institutions should improve and perfect financial services to facilitate individual industrial and commercial households to apply for loans.

Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of 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.

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Can I get a loan for my individual business license?

The business license of individual industrial and commercial households can be loaned, but it must meet the following conditions:

1, personal business license loans need to be operated for more than one year and need to be reviewed by the industrial and commercial departments;

2. China citizens who have reached the age of 18 and have full capacity for civil conduct have permanent residence;

3. The borrower must have sufficient repayment ability to provide the bank with running water for nearly half a year;

4. Have a fixed business place and a stable income.

5. Good credit record. The loan processing flow of self-employed business license is as follows:

1. The borrower applies to the lending institution and submits the materials required for the loan.

2. The lending institution examines the application submitted by the borrower and conducts pre-loan investigation on the borrower. If there is collateral (pledge) as collateral (pledge). Find a professional appraisal agency to evaluate the value of the mortgaged property.

3. After the materials are approved, the two parties negotiate and reach an agreement on the loan, sign a loan contract, the borrower goes through the formalities of mortgage (pledge) registration, and the lending institution issues the loan after the formalities are completed. To apply for the establishment registration of individual industrial and commercial households in accordance with Article 5 of the Regulations of the People's Republic of China on the Administration of Company Registration, the following documents shall be submitted:

(a) the application for registration of the establishment of individual industrial and commercial households signed by the applicant;

(2) the identity certificate of the applicant;

(3) Proof of business place;

(4) Other documents required by national laws and regulations. Article 10 After receiving the application for registration submitted by the applicant, the registration authority shall accept it if the application materials are complete and conform to the statutory form. If there are errors in the application materials that can be corrected on the spot, the applicant shall be allowed to correct them on the spot. Article 11 When accepting an application for registration, the registration authority shall issue a notice of acceptance to the applicant.

How to borrow the business license of individual industrial and commercial households?

The business license of individual industrial and commercial households can be used for loans and must meet the following conditions: 1. Individual business license loans need to be operated for more than one year, which need to be audited by the industrial and commercial department; 2. China citizens who have reached the age of 18 and have full capacity for civil conduct have permanent residence; 3. The borrower must have enough repayment ability to provide the bank with running water for nearly half a year. Let's learn about it through Bianxiao Law Express.

I. How do self-employed individuals borrow business licenses?

When applying for a loan with a business license, in addition to the business license, the borrower also needs to provide his own identity certificate, marriage certificate and address certificate. , but also must provide more than half a year of bank flow. The more complete the information, the more favorable it is to apply for a loan. Self-employed business license loans have strong pertinence and flexible repayment methods. Strong pertinence: tailor-made for individual industrial and commercial households, and meet the capital needs of individual industrial and commercial households in many aspects. Flexible repayment method: the maximum loan balance management is implemented, and different repayment methods can be selected.

Application process:

1. The borrower shall fully prepare the above information and submit it to the lending institution;

2. Lending institutions shall review the materials and conduct pre-loan investigation on borrowers;

3. After investigation, both parties signed a loan agreement;

4. After the agreement is signed, the lending institution issues loans;

5. The borrower repays the loan according to the contract.

How to apply for a business license loan?

The ways to apply for a business license for online loans are:

1, Dianrong Food Loan, Dianrong Food Loan is an online loan specially designed for catering enterprises to help you open a branch and decorate the store. The maximum loan amount of point financing food loan can reach 6,543.8+0,000 yuan, the lowest daily interest rate is only 0.04%, and the fastest is 654.38+0, with automatic repayment every day.

2. Agricultural Bank of China micro-loans that also serve small and micro enterprises can be applied through online banking and mobile banking. Agricultural Bank of China's microfinance loan amount can reach 654.38+0 million, and the service life of the loan is 654.38+0.2 months.

3. Weizhong Bank loans to small and micro enterprises. Micro-enterprise loans of Weizhong Bank can be handled with business licenses. The main open areas are Guangdong, Jiangsu, Hunan, Shandong, Tianjin, Shaanxi, Zhejiang, Henan, Chongqing, Yunnan and Jiangxi. The loan amount of small and micro enterprises can reach 3 million yuan, and the longest loan period is 36 periods.

How to apply for a loan 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.