Personal business loans are usually policy loans, and lenders need to submit a written application to the street (township) labor security office they operate.

The relevant documents required for handling the loan include the lender's household registration book, the original valid ID card, the property right certificate of the business premises, tap water, business license, business letter, etc. After the firm accepts it, it will conduct a preliminary examination of the borrower's qualifications, and then the institution will guarantee it. Finally, the bank signs a guarantee contract and a loan contract with the lender who meets the relevant requirements, and the bank issues loans.