The so-called business start-up guarantee loan is a kind of policy loan. It is aimed at the financial difficulties faced by self-employed individuals, self-employed individuals and labor-intensive enterprises who meet the loan conditions. The government funded the establishment of a business start-up loan guarantee fund, which was guaranteed by a guarantee institution, and granted loans through banks to enjoy national interest subsidies. How to apply for a business guarantee loan? The loan applicant submits a loan application to the startup guarantee institution, fills in the application form for startup guarantee loan, and submits relevant materials and conducts credit inquiry. Eligible, after on-site audit, the handling bank will issue loans. The object of business guarantee loan support is individual entrepreneurs. It refers to the following persons who hold the Employment and Entrepreneurship Certificate (Employment and Unemployment Registration Certificate), start their own businesses, seek their own jobs or organize themselves for employment or partnership: registered unemployed people in cities and towns, people with employment difficulties, college graduates, demobilized soldiers, people released from prison, disabled people, returning home to start businesses and farmers who are engaged in secondary and tertiary industries nearby (hereinafter referred to as those who meet the loan conditions). Enterprises that meet the loan conditions. It refers to the small and medium-sized enterprises that have settled 30% of the total number of employees (100 enterprises100 enterprises 15%) and signed labor contracts with them for more than one year, which have been filed by the human resources and social security department. The amount of business guarantee loan, for individuals who meet the loan conditions, the maximum business guarantee loan shall not exceed 65,438+10,000 yuan; For enterprises that employ personnel who meet the loan conditions, the loan amount shall be reasonably determined according to the actual situation, with a maximum of 4 million yuan. The term of the business guarantee loan, the term of the business guarantee loan is generally not more than two years. Preferential discount policy for entrepreneurial guarantee loans, and eligible personal loans enjoy full financial discount subsidies; 50% discount subsidy will be given to eligible enterprise loan finance departments according to the benchmark interest rate stipulated by the People's Bank of China.