How to borrow small and micro enterprise business license loans?

What are the platforms where business licenses can be loaned?

List the loan platforms 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, first-generation ID card.

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

3. Microfinance. Micro-credit is a capital 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 the annualized interest rate may be as low as 3.6%, subject to the specific data after applying for the loan amount.

Extended data:

1. What materials do you need for a 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 own identity certificate, marriage certificate and address certificate. , but also must provide more than half a year of bank flow. The more complete the information, the more favorable it is to apply for a loan.

Second, the application process

1. The borrower shall fully prepare the above information and submit it to the lending institution;

2. Lending institutions shall review the materials and conduct pre-loan investigation on borrowers;

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 certain production and business activities. Its format shall be uniformly stipulated by the State Administration for Industry and Commerce. The registered items include: name, address, person in charge, amount of funds, economic composition, business scope, business mode, number of employees, business period, etc. Business licenses are divided into originals and duplicates, which have the same legal effect. The original shall be placed in a prominent 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, engrave official seals, sign contracts, register trademarks or advertise, and banks are not allowed to open accounts.

How to apply for a business license loan?

The ways to apply for a business license for online loans are:

1, Dianrong Food Loan, Dianrong Food Loan is an online loan specially designed for catering enterprises to help you open a branch and decorate the store. The maximum loan amount of point financing food loan can reach 6,543.8+0,000 yuan, the lowest daily interest rate is only 0.04%, and the fastest is 654.38+0, with automatic repayment every day.

2. Agricultural Bank of China micro-loans that also serve small and micro enterprises can be applied through online banking and mobile banking. Agricultural Bank of China's microfinance loan amount can reach 654.38+0 million, and the service life of the loan is 654.38+0.2 months.

3. Weizhong Bank loans to small and micro enterprises. Micro-enterprise loans of 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 enterprises can reach 3 million yuan, and the longest loan period is 36 periods.

How do small and micro enterprises borrow money from banks?

Hello! The loan process for small and micro enterprises is as follows:

1. The enterprise applies for a working capital loan from the bank and provides relevant materials of the enterprise and the guarantor (if necessary).

2. Sign loan contracts and related guarantee contracts. After the enterprise's loan application is approved by the bank, the bank and the enterprise need to sign all relevant legal documents.

3. Implement the guarantee according to the agreed conditions and improve the guarantee procedures. If the enterprise is required to provide guarantee according to the bank's approval conditions and the signed guarantee contract, it is necessary to further implement specific guarantee measures such as third-party guarantee, mortgage and pledge, and complete relevant guarantee procedures such as mortgage registration and pledge delivery (or registration). If you need notarization, you also need to perform notarization procedures.

4. Issue loans. After all the formalities are completed, the bank will issue loans to the enterprise in time, and the enterprise can reasonably control the loan funds according to the loan purpose agreed in advance.

Materials to be prepared for SME loans:

The materials required for the application include: business license, tax registration certificate, business flow in the last three months, personal bank flow, office space lease contract or property ownership certificate, special business license, etc. , reflecting the operation of the enterprise; Joint-stock enterprises also need to provide a resolution that more than 2/3 shareholders agree to the loan. In addition, the legal representative also needs to provide his identity card, proof of address and proof of residence in the last six months.

Matters needing attention in SME loans:

Small and medium-sized enterprises that need loans must meet the following conditions:

1. The main business place of the enterprise is in the local area;

2. The property right relationship of the enterprise must be clear;

3. The enterprise has no bad credit record;

4. The production and operation projects conform to the national industrial policies and laws and regulations;

5. Other conditions of the lending institution.

How to use a business license for loan?

How to borrow business license loans, and which platform is good for business license loans.

Business license loan conditions are as follows:

Generally, banks will be required to operate for more than one year. It is estimated that new business licenses are not allowed to lend, but different banks have different requirements. You can ask the banks more.

Which platform is good for business license loan:

Agricultural Bank of China Weijiedai

Agricultural Bank of China microfinance also serves small and micro enterprises, and can be applied through online banking and mobile banking. Agricultural Bank of China's microfinance loan amount can reach 654.38+0 million, and the service life of the loan is 654.38+0.2 months.

Weizhong bank company Dai

Micro-enterprise loans of 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 enterprises can reach 3 million yuan, and the longest loan period is 36 periods.

CCB understands you.

CCB understands that you are making a small and micro enterprise APP, which can handle loans for the majority of enterprises. Small and micro enterprises can apply for loans of up to 5 million yuan with business licenses and tax information. , service life 12 months.

When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;

4. Generally, formal product audit is strict. Although it is easy to use, it is difficult to apply, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Now that I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.

Just remember to use the flowers that you got the quota on the same day, otherwise the quota may be taken back. This has happened to some friends before, remember.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms.

360 IOUs, with a maximum loan of 200,000!

Click online measurement

Third, the "new loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days.

The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months.

Ping An Xin Yi Dai Click Online Measurement

The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!

What are the conditions for small and micro enterprise loans?

I. Conditions:

1, with abundant cash flow.

2. Small and micro business owners have good credit.

This enterprise has been very successful for more than two years.

4. Be able to provide effective financial proof.

5. Small and micro business owners are willing to repay and have the ability to repay in full and on time.

6. Other conditions required by the bank.

Two, according to the loan period: short-term loans, medium-term loans and long-term loans.

1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive).

2. Medium-term loan: refers to the loan with a loan term of 1 year (excluding) to 5 years (including).

3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).

Extended data:

Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans and so on.

First, the process of small and micro enterprises applying for credit loans:

1. application

① Credit application and resolution of the board of directors of the enterprise (as required by the articles of association)

(2) the specific purpose of enterprise loans and the direction of capital use (plan and total amount of funds).

③ Analyze repayment plans and measures, and analyze the cash flow of repayment funds every month.

(4) Mortgage situation, other relevant legal documents and letters, etc.

Step 2 review

(1) project

② Credit evaluation

③ Feasibility analysis

④ Comprehensive judgment

⑤ Pre-loan review

3. After reviewing the loan application, the contracting bank considers that all of them meet the requirements and agree to the loan, and shall sign a loan contract with the lender.

4. Lending

After the signing of this contract, both parties shall verify the loan as agreed in the contract. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party fills in the withdrawal voucher uniformly formulated by the bank, and then goes through the withdrawal procedures at the bank.