It depends on your local policy. Generally, small loans need to be pledged, but the general business license is not allowed to lend, because the company registration is now a subscription system. Some places have policies to avoid secured loans from other or school channels, and they are interest-free, so it depends on your local policies. If you are in Shanghai, you can come to Xingjianyuan Business Incubation Base to find out the situation, or you can contact your local Human Resources and Social Security Bureau to find out the specific situation.