The business license can be loaned after one year, and the business license can be loaned. Some bosses who have just started business often encounter capital turnover problems, so when they need funds, they should pay attention to the following information:
You must go to the industrial and commercial bureau to apply for a business license and obtain the certificate of legal operation of the company. If the funds encounter liquidity problems, you can go to the bank for a loan with your business license.
Business license loans can generally enjoy relatively low interest rates, with a maximum loan amount of 3 million yuan and a maximum loan period of 3 years.
The process of applying for a business license loan is relatively complicated:
1. Prepare corresponding application materials, including identity materials, residence certificate, marriage certificate, income certificate, etc.
2. When applying at the corresponding business outlets, the bank will review the materials provided by the customers, mainly credit information and income assets. After the approval, you can sign the contract, and then review it after the contract is signed. If there is no problem, the applicant will get a loan.
It should also be noted that to apply for a business license loan, in addition to the basic conditions such as age, hukou, credit and guarantee. It is also necessary to meet the requirements that the business license must be registered for more than one year and the loan cannot be made for less than one year.
Tax loans can be made to those banks after paying taxes for one year.
Tax loans can be made in Agricultural Bank, China Construction Bank and Ping An Bank. Let's take a closer look.
1, Agricultural Bank of China-Electronic Tax Payment Loan
Small and micro enterprises that open a settlement account in China Agricultural Bank, pay taxes in good faith and authorize our bank to use tax data can apply for loans by logging in the electronic channel designated by China Agricultural Bank. The maximum loan amount is 6,543,800 yuan, and the minimum is 6,543,800 yuan. For online and offline handling by individual branches, the maximum loan amount shall not exceed 3 million yuan (inclusive), and the longest loan term shall be 654.38+0 years. The specific amount is affected by the deposit balance, wealth management and one-year sales income of ABC.
2. China Construction Bank-Tax Easy Loan
RMB credit business for production and operation turnover issued by China Construction Bank to high-quality small and micro enterprises that pay taxes in good faith according to tax information. You can click "Small and Micro Enterprises" on the homepage of CCB official website and select "Business Application-Immediate Application-Online Banking Revolving Loan Application" to apply. The longest loan period is 1 year, and the maximum loan amount for a single household does not exceed 4 million yuan. The specific amount is approved according to the average tax payment of the enterprise in the last two years, the tax credit rating in the last two years, the evaluation results and the account opening in China Construction Bank.
3. Ping An Bank-Tax Loan
Ping An Bank provides tax loans to tax paying enterprises, with a maximum amount of 3 million yuan. Without mortgage guarantee, it can apply with tax information of value-added tax and income tax. You can add the official account of "Ping An Bank Company Business" WeChat, enter the "micro-anti-tax loan" channel, and submit the application online. After passing the pre-examination, the basic information of the enterprise, including business license/organization code certificate/tax registration certificate, articles of association/loan card, legal person, identity certificate of actual controller, etc., will be provided to the loan account manager of Ping An Bank.
What are the conditions for tax loans?
To apply for a tax loan, you generally need to meet the following conditions:
1. The borrower 18 years old or above is a natural person with full capacity for civil conduct;
2. The enterprise has been registered in the industrial and commercial department, has a qualified business license, and the industry conforms to the national policy, and does not belong to high pollution and high energy consumption industries;
3. The borrower has opened an enterprise or individual settlement account in the bank as its sales repayment account;
4. The enterprise pays taxes normally, paying taxes continuously for more than two years, and its tax credit rating in the last two years is above Grade B (inclusive);
5. The enterprise has stable operation, good operating conditions and certain profitability;
6. The borrower has good credit, no bad credit information, good corporate reputation and no serious bad records.
Tax loan refers to the data that the bank pays taxes in the tax bureau because of its production and operation, thus giving the legal person who applies for tax loan a certain loan amount, and such a loan becomes a tax loan.
Under the authorization of the legal person, the bank can obtain the tax payment of the legal person in the tax bureau from the tax bureau, so the legal person can apply for a tax loan as long as it operates under the channels given by the bank.
Background:
The problem of difficult and expensive financing for small and medium-sized enterprises was very prominent more than ten years ago. Small and medium-sized enterprises are easy to close down for various reasons in the fierce market competition because of their weak overall scale, production technology and ability and overall anti-risk ability. At this time, bank loan funds are scarce in the financing market.
Most bank loans like to be surrendered to large private enterprises, state-owned enterprises and listed companies. Small and medium-sized enterprises belong to high-risk groups, and bank funds do not like to submit to such enterprises. Even if a certain amount of loan funds are given, the interest rate of the loan is relatively high.
In order to alleviate the difficulty and high cost of financing for small and medium-sized enterprises, banks have formulated tax-related loans according to national policies. The birth of tax loans is of great significance to small and medium-sized enterprises and banks.
On the one hand, the emergence of tax loans has broadened the financing channels for SMEs. Tax loans are different from traditional bank loans. Tax loan is a credit loan, and there is no need to provide any collateral or pledge to the bank, which is a very key link.
Many small and micro enterprises are in the initial stage or growth stage, and their shareholders do not necessarily use assets that can be mortgaged or pledged, such as real estate, so credit loans are an important part of promoting the financing of small and medium-sized enterprises. Small and medium-sized enterprises can apply for tax loans from banks as long as they operate normally and in compliance.
On the other hand, for banks, as long as the data of tax paid by enterprises in the tax bureau are obtained, banks will have the starting point to control the risks of small and medium-sized enterprises, and the loan amount can be approved according to the amount of tax paid by enterprises.
Enterprises that basically do not pay taxes, or do not pay taxes, are defined as high-risk enterprises and are excluded, which greatly reduces the lending risk of banks.
Tax loan application:
The premise of tax loan is that there must be tax records in the tax bureau. Banks and tax bureaus have established data exchange systems. As long as an enterprise applies for a tax loan from a bank, submits the application through a channel designated by the bank, and authorizes the bank to inquire about the tax payment of the enterprise at the tax bureau, the bank can approve a certain loan amount to the enterprise according to the tax payment of the enterprise at the tax bureau, and the enterprise can apply for financing within this loan amount.
The general loan amount is three to five times the tax paid by the enterprise in the tax bureau, and the upper limit is 2 million or 3 million.
Can newly established enterprises apply for tax loans?
You can't. Enterprises applying for tax loans need at least business license, tax registration certificate, organization code certificate, recent capital verification report, value-added tax or income tax payment certificate for the last six months, and finally financial statements for the last 1 year and bank statements for the last six months. (A detailed introduction to this aspect is attached to the simple list. )