It is recommended to apply for personal business loan (1) with full capacity for civil conduct and under 50 years of age; (2) Holding the business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce; (3) Engaged in legal production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule; (4) Good credit standing, law-abiding, no bad credit and debt records, and being able to provide mortgage, pledge or guarantee recognized by Industrial Bank; (5) Having a fixed domicile and business premises in this institution; (6) Open a settlement account in Industrial Bank, and handle daily settlement through the Industrial Bank account; (seven) other conditions stipulated by the relevant lending banks or institutions. Application materials for personal business loan (1) Identity documents of the borrower and spouse (including the original resident ID card, residence booklet or other valid residence permit) and proof of marital status; (2) Proof of repayment ability such as personal or family income and property status; (3) Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes; (4) Guarantee materials: the ownership certificate and list of the collateral or pledge, the certificate that the person with the right to dispose of it agrees to mortgage (pledge), and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank. Application process: prepare materials, fill in the application, get recommendation, confirm identity, bank acceptance, loan review and loan processing.