You can't get a loan for half a year with a business license. Because it takes at least one year to apply for a loan for a business license, it is difficult to apply for a loan if the enterprise has registered its business license for less than one year. If the registered business license of the enterprise is less than one year, the loan application cannot be passed. The application threshold of some lending institutions is not particularly strict, so even if the business license of the enterprise has only been processed for half a year, if they provide sufficient working capital and the bank has a large flow of water, they still have the opportunity to apply for loans. It can be said that different lending institutions will have different requirements. Therefore, before applying for a loan, it is best to consult the staff of the lending institution to find out whether it meets the conditions. If it is confirmed, you can prepare the application materials. When applying, we should also pay attention to that although some lending institutions have low thresholds, they may not be safe, so we must choose reliable institutions when lending to avoid falling into the trap.

Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person with China nationality, other economic organizations, individual industrial and commercial households or a natural person with full civil capacity. The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the loan funds have not been misappropriated, and the credit is strictly observed:

(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.

Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.

3. basic deposit account or general deposit account has been opened.

Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets.

Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.

Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.

How to review the business license?

The annual examination method of business license is as follows:

1, login, the enterprise enters the online annual inspection platform through the industrial and commercial website, and selects the login method;

2. Fill in the annual inspection report. After the enterprise logs into the user interface, click the button to fill in the annual inspection report, and the system will automatically match the corresponding annual inspection report according to the type of the logged-in enterprise;

3. Declare, and click the submit button after the enterprise confirms the accuracy and completeness of the filled contents;

4. At the time of pre-examination, the industrial and commercial department shall pre-examine the enterprise's declaration within 5 working days after the online annual inspection.