Users can apply for loans after obtaining a business license, but applying for loans requires certain preconditions. For example, at present, banks and some lending institutions need business licenses for half a year or even longer, which will be different according to the different requirements of lending institutions.
Ordinary small and micro enterprises can directly provide business licenses and apply for credit loans, such as Wechat business loans and online business loans; For medium and large enterprises, applying for loans will be more stringent. In addition to business licenses, corporate liabilities, corporate fixed assets, tax levels, business owner credit, etc. Will be included in the assessment.
Therefore, if you want to apply for a loan with a business license, you need to first consider whether the term of the business license meets the income, liabilities and credit of the enterprise.
Legal basis:
Article 4 The State implements the principle of equal market access and fair treatment for individual industrial and commercial households.
If individual industrial and commercial households apply for registration, and the business scope of the application for registration does not belong to the industry prohibited by laws and administrative regulations, the registration authority shall register it according to law.
Derivative problem:
Materials for handling business licenses
1. Application for registration of establishment signed by the legal representative of the company;
2. Certificates of all shareholders' designated representatives or entrusted agents;
3. Articles of association;
4. Shareholder qualification certificate or identity certificate of natural person;
5. Documents indicating the names and residences of the company's directors, supervisors and managers, as well as certificates of appointment, election or employment;
6, the legal representative of the company's employment documents and identification;
7. Notice of pre-approval of enterprise name;
8. Certificate of company domicile;