No matter what kind of loan a customer applies for, as long as it is applied in a bank or private lending institution or online lending platform connected to the central bank's credit information system, it is necessary to review personal credit information, and the customer must have a good credit information. If there is a bad credit record in the personal credit report, the loan will not be approved.

What needs to be understood is that personal business license loans need to be operated for more than one year and need a business license audited by the industrial and commercial department. Business license is a necessary item to apply for a loan, but a separate business license cannot be used for a loan. Because the approval of bank loans is relatively strict at present, if you go to a commercial bank for unsecured loans, you need at least half a year's running account, and you have good enough business conditions to prove your repayment ability. At the same time, you can apply for a loan after meeting other conditions required by the loan bank.

The business license of a self-employed person is the most important proof of its legal operation. The business license records its business scope, the name of the self-employed person and other information. You can't get a loan from a bank just with a business license. Even if it is a credit loan, self-employed individuals should prepare ID cards, credit records, bank accounts and other related materials.

Generally speaking, for those online lending platforms that are not connected to the central bank's credit information system, customers generally do not query personal credit information when applying for loans, and usually query online lending big data.

Legal basis:

Company Law of the People's Republic of China

Article 7

A company established according to law shall be issued a business license by the company registration authority. The date of issuance of the business license of the company is the date of establishment of the company. The company's business license shall specify the company's name, domicile, registered capital, business scope, name of legal representative and other matters. Where the matters recorded in the company's business license change, the company shall register the change according to law, and the company registration authority shall issue a new business license.