Detailed reasons:

There is no necessary connection between having a loan and applying for a business license. The loan belongs to the bank and the business license belongs to the industrial and commercial bureau. There is no conflict between them.

As long as I repay on time during the loan period, it will not cause bad repayment records and will not affect my future bank loans, but it is not necessarily related to the business license;

To apply for a business license, you can go to the local administration for industry and commerce to submit your relevant procedures.

Summary: I have a bank loan and it is irrelevant to apply for a business license. Having a loan to prove that I am in debt will not affect my business license. If I apply for a business license with a loan, my business license may be revoked if I don't repay it on time.