Yes, the specific amount is determined by the bank according to the qualifications of the borrower.
Business license loan process:
1. Submit a business license loan application to the bank and consult the loan related matters;
2. Submit business license loan process related information, such as business license certificate, self-employed individuals applying for loans, should provide the bank's operating flow for nearly six months, and enterprises applying for loans, should provide the operating flow certificate and corporate financial statements for nearly one year. And the borrower's credit report;
3. Wait for the approval of the bank. If approved, both parties will sign a loan contract. Apply for mortgage loans, mortgage registration procedures;
4. The bank issues loans to designated accounts.
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.
2. Can I get a loan with a business license?
The key depends on what industry you are engaged in, whether it is small and medium-sized enterprises or self-employed. This is very important. If you are a small and medium-sized enterprise with good assets and encouraged by the bank, you can apply at the small business center of the bank. If you are an individual business owner, you can only make mortgage loans, and the business license basically doesn't work.
3. Can I borrow money from a bank with a business license?
The business license can be borrowed from the bank. Business licenses can be divided into self-employed business license loans and enterprise business license loans. Application conditions for self-employed business license loan:
/kloc-China citizens aged 0/year and above 1 8-65 years old;
2. It has a real business place or address, operates legally, and has stable and sufficient operating income;
3. Can provide legal, sufficient and easy to realize mortgage (pledge). Submission materials: 1, ID card, household registration book and its copy; 2. Provide the original and photocopy of valid business license and business registration certificate; 3. The mortgagor or pledger shall fill in the pledge in bank format;
4. Other information required by the bank. Business license loan: business license, legal representative, tax registration and organization code certificate. Application materials for enterprise business license loan: 1, application form; 2. Company profile; 3. A copy of the company's business license; 4. Enterprise code certificate; 5. Tax registration certificate (national tax and local tax); 6, special industry production and business license, qualification certificate; 7. Articles of Association; 8. Capital verification report; 9. Brief introduction of the legal representative.
Can I apply for a bank loan with my business license?
Business license is an essential material for handling loans, but a separate business license is impossible.
Most enterprises will encounter financial problems in their operations and need loans, so it is inevitable for self-employed individuals to apply for loans, that is, they need to provide business licenses.
Article 4 of the Regulations on Individual Industrial and Commercial Households: Legal person does not mean that the business license must be registered for more than one year and more than half a year, and it needs public-private relations. Self-employed households can do without public-private relations; Or you can get a loan if you have a house and a car.