The ways of online loan for business license are:

1, Dianrong Food Loan, Dianrong Food Loan is an online loan designed for catering enterprises to help them open branches and carry out store decoration. The maximum loan amount of Dianrong Food Loan can reach 1 000000 yuan, and the minimum daily interest rate is only 0.04%, as fast as1day, and the loan will be repaid automatically every day.

2. Agricultural Bank of China Micro-credit, which also serves small and micro enterprises, can be applied through online banking and mobile banking. The loan amount of agricultural bank of China micro-credit can reach1000000, and the loan service period is 12 months.

3. Micro-enterprise loans from Weizhong Bank. Micro-enterprise loans from Weizhong Bank can be handled with business licenses. The main open areas are Guangdong, Jiangsu, Hunan, Shandong, Tianjin, Shaanxi, Zhejiang, Henan, Chongqing, Yunnan and Jiangxi. The loan amount of small and micro enterprise loans can reach 3 million yuan, and the longest loan period is 36 periods.

What are the conditions for small business loans?

Small business loan application conditions:

1. conforms to the national industrial and industrial policies and does not belong to small enterprises with high pollution and high energy consumption;

2. The enterprise has a good reputation in various commercial banks and no bad credit record;

3. Have a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, and hold a loan card issued by the People's Bank of China and subject to normal annual inspection;

4. It has the necessary organizational structure, management system and financial management system, a fixed basis and business premises, legal operation, and products with market and benefits;

5. Have the ability to perform the contract and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;

6. The business operator or actual controller has more than 3 years' experience, good quality and no bad personal credit record;

7. The business operation of the enterprise is stable, the establishment period is in principle more than 2 years (inclusive), there is at least one financial report for one or more fiscal years, and the sales revenue growth and gross profit are positive for two consecutive years;

8. Comply with the policy of establishing industry credit related to small business;

9. Abide by national financial regulations and policies and relevant bank regulations;

10. Open a basic settlement account or a general settlement account with the applicant bank.

Loan application materials:

1. Original and duplicate copies of business license; Enterprise name and business address (province, city and county);

2. The original and duplicate copies of the organization code certificate;

3. The original and duplicate copies of the tax certificate;

4. A copy of the account opening permit;

5. Copy of the loan card and password (or copy of the query result of the loan card);

6. A copy of the original ID card of the legal representative; The work experience of the legal representative (work experience and position);

7. Legal person's employment certificate and legal person's resume; The original and photocopy of the power of attorney of the authorized agent and the agent's ID card;

8. Ownership structure (shareholder name, shareholder proportion), registered capital of the enterprise, time of establishment, net assets and total assets of the enterprise (ten thousand yuan);

9. A copy of the Articles of Association; Introduction of the company's business development (mainly explaining the business development mode, settlement mode and the competitiveness of products in technical quality);

10. Copy of capital verification report; Audited financial statements of the company in the last three years (including complete notes) and financial statements in the last three months;

1 1. Property area, purchase value (ten thousand yuan) and property location (province, city and county);

12. The most important equipment name, the most important equipment quantity, the most important inventory name and the most important inventory quantity;

13. Accounts receivable (ten thousand yuan);

14. Total bank loans (ten thousand yuan) and other loans (ten thousand yuan);

15. Total loan amount (ten thousand yuan), purpose and feasibility report of the project;

16. The guarantee methods that can be provided (ownership certificates of residential mortgage, shop mortgage, industrial workshop, enterprise guarantee, inventory pledge, accounts receivable pledge, etc.); Counter-guarantee measures to be provided;

17. loan application;

18. The resolution of the shareholders' meeting or the resolution of the partners' meeting when the enterprise decides to apply for loan guarantee;

19. Original and photocopy of the production and operation license for special industries;

20. basic deposit account Bank.

Standards for small businesses:

The standard of small enterprises is generally that the number of employees is below 500 or the annual sales of enterprises is below10 million yuan;

The standard for processing small enterprises is that the number of employees is less than 300 or the annual sales of enterprises is less than 30 million yuan or the total assets of enterprises are less than 40 million yuan;

The standard of wholesale small enterprises in small circulation enterprises is that the number of employees is below 100 or the annual sales of enterprises is below 30 million yuan;

The standard of retail small enterprises is that the number of employees is below 100 or the annual sales of enterprises is below 1000 million yuan;

The standard for small transport enterprises is that the number of employees is less than 500 or the annual sales of enterprises is less than 30 million yuan;

The standard for small warehousing enterprises is that the number of employees is below 100 or the annual sales of enterprises is below 1000 million yuan.

As long as one of the above standards of the number of employees or annual sales (total assets of the enterprise) meets, it can be recognized as a small enterprise.

What are the platforms on which business licenses can be loaned?

List the platforms for loans with business licenses as follows:

1, money to spend. Users are required to meet the age requirement of 18-55, and the corresponding second-generation ID card and debit card must be submitted during the application process. It should be noted that the application only supports debit cards, and the application card is also the user's loan bank card, while the ID card cannot be a temporary, expired or first-generation ID card.

2. Fast loans for small and micro enterprises. There are credit fast loans, mortgage fast loans, pledge fast loans and platform fast loans under small and micro enterprises' fast loans. The corresponding loan amount, loan term and loan interest rate are different for different small and micro enterprises' loan products, and of course the corresponding processing conditions will be different. You can log on to China Construction Bank official website and click to view it under "Small and Micro Enterprises-Apply Now-Apply for Quick Loan".

3. Micro-credit. Micro-industry loan is a fund loan service provided by Weizhong Bank for small and medium-sized enterprises. Generally speaking, taxpayer enterprises, small-scale taxpayer enterprises or individual industrial and commercial households can apply for loans. And the upper limit of the loan amount is 3 million, and there is a chance that the annualized interest rate will be as low as 3.6%, subject to the specific data after applying for the loan amount.

Extended data:

I. What materials are needed for the business license loan?

When applying for a loan with a business license, in addition to the business license, the borrower also needs to provide his identity certificate, marriage certificate, address certificate, etc., and must also provide the bank running water for more than half a year. The more complete the information, the more favorable it is to apply for a loan.

Second, the application process

1, the borrower will prepare the above information completely and submit it to the lending institution;

2. The lending institution shall review the materials and conduct a pre-loan investigation on the borrower;

3. After investigation, both parties signed a loan agreement;

4. After the agreement is signed, the lending institution issues loans;

5. The Borrower repays the loan according to the contract.

Second, the business license

Business license is a certificate issued by the administrative department for industry and commerce to industrial and commercial enterprises and individual operators to engage in a certain production and business activities. Its format shall be uniformly stipulated by the State Administration for Industry and Commerce. The registered items are: name, address, person in charge, amount of funds, economic composition, business scope, business mode, number of employees, business period, etc. The business license is divided into original and duplicate, both of which have the same legal effect. The original shall be placed in a conspicuous position in the company's domicile or business premises, and the business license shall not be forged, altered, leased, lent or transferred. Without a business license, industrial and commercial enterprises or individual operators are not allowed to start business, and they are not allowed to carve official seals, sign contracts, register trademarks or advertise, and banks are not allowed to open accounts.

How do small and micro enterprises borrow money?

Question 1: How can small and micro enterprises make loans to enterprise credit loans? They need a business license for more than 3 years, have local real estate, and have an annual flow of more than1200,000, so they can borrow up to 300,000 yuan.

Enterprise mortgage loan can be made: the mortgage loan can be made for the real estate under the legal person's name, and the maximum loan can be 140% of the total value of the real estate, and the business license is over one year.

Personal mortgage loan can be made: private property under the name of an individual can be used as a mortgage loan, and the maximum loan can be 70% of the total value of the property.

Question 2: How do small and micro enterprises apply for interest-free loans? What materials do they need?

1, age 18 to 45 years old, China citizens with full capacity for civil conduct;

2. Proof of fixed residence and business premises. The proof of fixed residence can be the real estate license (or the real estate license of parents' names), and the proof of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

3. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend or not, because the amount of venture loans is generally not more than 70% of the total amount of funds needed by lenders for normal production and business activities, as well as for purchasing (installing or repairing) small equipment and franchising.

4. Settlement account. The loan applicant must open a settlement account with the bank he is lending, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the relevant national laws and the provisions of the Bank's credit policy, and it is not allowed to be used for other speculative investment projects such as equity.

5. Loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge and third-party guarantee. In addition, they should provide some information about their credit status, repayment ability and loan investment to the bank as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.

6, good reputation, no bad records;

7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, whether individuals pay interest first, then financial subsidies, or financial interest in advance has not yet been determined, but the financial discount is certain.

The conditions for interest-free loans in each bank are different, but the above items need to be met, and then there will be more procedures. Everyone must prepare all the information before lending, so as not to waste time running back and forth.

Question 3: Does the small and micro enterprise loan provide the required information? 1, application;

2. Company profile;

3. A copy of the company's business license;

4. Enterprise code certificate;

5, tax registration certificate (national tax, local tax);

6, special industry production, business license, qualification certificate;

7. Articles of Association;

8. Capital verification report;

9. Brief introduction of the legal representative;

10, ID card of the legal representative;

1 1, the identity certificate of the legal representative issued by the company;

12, the board of directors agreed to the loan resolution;

13, financial statements verified by accounting (auditing) firms in recent three years;

14. Balance sheet, income statement and cash flow statement for the last three months;

15. Description of financial status: a) Description of liabilities; B) investment description; C) Description of sales revenue and profit sources of the enterprise; 16, loan card and its password;

17. Description of providing loan guarantees for other enterprises;

18, repayment plan;

19. Copies of business contracts that are happening and will happen;

20, fund use plan or project feasibility report;

2 1 Materials required for collateral:

A) Proof of ownership of collateral (state-owned land use right certificate and house ownership certificate); B) Collateral evaluation report.

Question 4: How do banks define loans to small and micro enterprises? Minsheng, China Merchants Bank, Shanghai Pudong Development Bank, Huaxia, Guangfa and other banks are all joint-stock banks that pay more attention to small and micro loans, but each bank has different definitions of small and micro enterprise finance. Minsheng Bank aims at small enterprises and micro-enterprises with loans of1000000-5 million yuan, while Shanghai Pudong Development Bank implements a large retail model, which mainly includes personal consumption, personal business loans and small and micro loans below 5 million yuan. Huaxia Bank is aimed at personal business loans and micro-loans below 2 million yuan.

Question 5: Application conditions for corporate loans for small and micro enterprises As far as I know, corporate loans for small and micro enterprises are business loans for small enterprises, which are mainly used to meet the normal capital needs of enterprises in the process of production and operation. Then, can an enterprise legal person apply for an enterprise loan?

As far as I know, as long as it is a small enterprise with loan qualification approved and registered by the state administration for industry and commerce, it can apply to the bank.

First, the advantages of small and micro enterprise loans:

1, the loan amount is relatively high.

The credit line of corporate loans for small enterprises is relatively high, for example, the Postal Savings Bank stipulates that the maximum amount can reach RMB 20 million; The loan term shall not exceed five years at the longest; The loan interest rate shall fluctuate appropriately on the basis of the benchmark interest rate of commercial loans of the People's Bank of China.

2. Diversified loan methods for small enterprises.

Loans for small enterprises as legal persons can be secured by various means, such as real estate mortgage, chattel pledge and guarantee, or they can be combined.

Two, small and micro enterprise legal person loan application conditions

1, customer group: legal representative of a limited company or a wholly-owned enterprise aged 24-65, established for more than 6 months and with all three certificates;

2. Income requirements: the monthly income is more than 30,000, and it is necessary to provide personal or company running water in the past six months;

3. Credit conditions: no bad record of malicious default;

4. Other conditions: local real estate.

5. Other restrictions: high-risk industries such as entertainment and steel trade are not allowed to enter;

Three, small and micro enterprise legal person loan application materials:

1, basic information: such as the business license (original and copy) that has passed the annual inspection;

2. Information of business owners and relevant personnel: such as valid identity documents of the legal representative and spouse;

3, business information materials, such as financial statements, bank account running water, etc.;

4. Mortgaged materials, such as proof of ownership of the property to be mortgaged/pledged;

5. Other materials required for handling loans.

Question 6: How to apply for small and micro enterprise loans? What qualifications do you need? Small and micro enterprise loan

The materials to be prepared are:

A business license, technical supervision bureau code certificate, tax registration certificate;

2. Account opening license and loan card;

Three, a copy of the identity card of the legal representative of the enterprise, and the resumes of the major shareholders and senior managers of the legal representative of the enterprise;

4. Articles of Association, capital verification report, relevant investment agreements, joint venture agreements or partnership contracts or agreements of shareholders of non-wholly-owned enterprises;

5. Details of settlement accounts in the past year;

6. Financial statements for the last three years;

7. Contracts and vouchers related to financing.

Amoy financial loan process takes five steps: apply for loans online; Staff telephone confirmation; Consultant evaluation; Send it to the bank; Bank lending.

Question 7: How to handle ICBC loans for small and micro enterprises How do small and micro enterprises want to apply for ICBC loans, so what information do they need to prepare? Details are as follows: First, business license, code certificate of Technical Supervision Bureau and tax registration certificate; The second is the account opening license and loan card; The third is a copy of the ID card of the legal representative of the enterprise, and the resumes of the major shareholders and senior managers of the legal representative of the enterprise; Fourth, the company's articles of association, capital verification report, investment agreement, joint venture agreement or partnership contract or agreement of shareholders of non-wholly-owned enterprises; Fifth, the details of settlement accounts in the past year; Sixth, financial statements for the past three years; Seventh, contracts and vouchers related to financing. Of course, the specific provisions shall be subject to the provisions of ICBC!

Question 8: How do small and micro enterprises apply for interest-free loans? For them, the biggest problem is the difficulty in financing. Due to the small scale and large quantity, the existence of small and micro enterprises is negligible under this economic wave, and banks even ignore them because better customers are waiting for them. So how do small and micro enterprises apply for loans from banks? What are the specific steps? Preparation materials: conditions (materials) for small and micro enterprises to apply for loans 1, enterprise's own business scale, financial payment analysis and trend prediction 2, cooperation needs, plans and suggestions 3, product situation, market situation, enterprise development scale, level of the same industry 4, enterprise loan card (photocopy) 5, enterprise legal person business license (annual inspection), enterprise legal person qualification certificate, Enterprise organization code certificate, tax registration certificate, account opening permit of basic account opening bank, legal person ID card (all of the above are original copies), legal person resume 6. Business cooperation and internal financing of the enterprise in various commercial banks 7. Financial audit report of the enterprise for three consecutive years, The latest financial statement (with financial stamp) 8. Articles of association, signatures and authorization letters of legal persons and authorized persons 9. Basic information materials such as enterprise profile and relevant background materials 10, articles of association and list of board members of the enterprise. Specific steps: 1. Application, basic information, auxiliary information and necessary information for business operation A. Credit application and resolution of the board of directors of the enterprise (as required by the articles of association); B. The specific loan purpose of the enterprise and the direction of fund use (plan and total amount of funds used); C. Analysis of repayment sources (plans and measures), and monthly cash flow analysis on repayment fund arrangement; D mortgage situation, other relevant legal documents, correspondence, etc. Second, the feasibility analysis of credit evaluation for approval and project establishment is comprehensively judged. Pre-loan review III. Signing a contract If the bank considers that all the loan applications meet the requirements after review and agrees to lend, it should sign a Loan Contract with the lender. IV. After signing the loan issuance contract, both parties shall verify the loan according to the contract. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party will fill in the withdrawal voucher uniformly formulated by the bank and then go through the withdrawal procedures at the bank. Here, I would also like to remind: when small and micro enterprises interact with banks, banks should be absolutely assured of the safety of loans.

Question 9: What is the definition of bank loans to small and micro enterprises? Conditions for enterprise loans:

1. An enterprise must be approved by the state administration for industry and commerce to be established, registered and hold a business license.

2 the implementation of independent economic accounting, independent operation of enterprises, self financing. That is, the right of enterprises to engage in production and business activities independently; Have an independent experience

Operating funds, independent financial plans and financial statements; Calculate profit and loss independently and sign purchase and sale contracts with foreign parties.

3. Have a certain amount of self-owned funds. If the enterprise does not have a certain amount of its own funds, once losses occur, it will inevitably crisis bank loans, which is a letter.

The loan funds suffered losses.

4. Abide by the policies and regulations and the bank credit and settlement management system, and open basic deposit account and general deposit accounts in banks as required.

5. Production and operation are profitable. The products produced and operated by enterprises must be short-term products that are marketable and can give benefits to society and enterprises.

Bring benefits and improve the utilization rate of credit funds.

6. Keep your credit. After the enterprise obtains the loan, it must also strictly fulfill the obligations stipulated in the contract.

7. To apply for a loan, an enterprise shall also meet the following requirements: the original payable interest and the due loan have been paid off, and the outstanding loan has been recognized by the lender.

Feasible repayment plan; The borrower shall have gone through the annual inspection procedures in the industrial and commercial department; Except as stipulated by the State Council, limited liability companies and shares are limited.

The accumulated amount of the company's foreign equity investment does not exceed 50% of its total net assets; The borrower's asset-liability ratio meets the requirements of the loan; extend

The ratio between the owner's equity of the enterprise legal person and the total investment required for the newly-built project for which medium and long-term loans are requested is not less than the investment project stipulated by the state.

Capital ratio.

Question 10: Why is it definitely difficult for small and micro enterprises to borrow money from banks? The services are all large loans, and the small ones are disdainful. Now private lending is very convenient, but the cost is slightly higher.

So much for the introduction of business license loans for small businesses.