Conditions of Business License Loan in Heyuan City, Guangdong Province
Business license loans are actually business loans of enterprises. It doesn't mean that you can get a loan as long as you have a business license. Lending institutions must also have a fixed business place, and the projects they operate must be legal, and the operating time must not be less than 1 year. Lending institutions generally conduct on-the-spot investigations. If a newly established company wants to apply for a business license loan, it is more likely to be rejected.
In addition, enterprises should be in good operating condition and have stable income capacity. After all, this is one of the sources of repayment. If the enterprise can't generate income, the bank may refuse to lend for fear that it has no money to repay the loan. There is also the need for enterprises to open deposit accounts in banks, so that banks can understand the capital losses of enterprises and so on.
Business License Loan Information of Heyuan City, Guangdong Province
Information has two aspects, one is the legal representative information, and the other is the enterprise information.
1, information of legal representative: including valid identity document, household registration book, work certificate, income certificate and marriage certificate. Married people should provide valid spouse certificates and so on.
2. Enterprise information: provide the original and photocopy of the annual business license and tax registration certificate, the photocopy of the organization code certificate, the capital verification report, the company's audit report for the last two years and the financial statements of 1 period, etc. If there is collateral, it is also necessary to provide legal and sufficient collateral and evaluation reports.