Individual merchants and small and micro business owners can apply for loans through business licenses. However, if you only have a business license, you can't get a loan. If you want to apply for a loan, you need at least the borrower's income certificate or bank account, as well as personal identification. Bank flow requirements should be stable for more than half a year, reaching the minimum amount required by lending institutions. Because these are all related to the risk of bank loans, banks can't assess the loan risk if they only have a business license.
2. Can I get a loan for my business license?
You can borrow money.
Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. At present, corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, unit certificates of deposit, gold, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, buyers' or agreed interest-bearing bills discounting, domestic recourse factoring, and export tax rebate account custody loans.
Unsecured/credit loan
Credit loan refers to a loan issued by a bank with the borrower's reputation, and the borrower does not need to provide guarantee.
According to the loan term, it is divided into 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).
3. Can the business license be used as a mortgage loan?
You can't.
According to Article 25 of the General Rules for Loans, if a borrower needs a loan, he should directly apply to the agent bank of the host bank or other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:
Basic information of the borrower and guarantor; The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period before applying for a loan; Correct the original unreasonable loan; List of mortgaged property and pledged property, the consent certificate of the person who has the right to dispose of the mortgaged property and pledged property, and the relevant certification documents of the guarantor's consent to guarantee; Project proposal and feasibility report; Other relevant materials deemed necessary by the Lender.
Extended data:
The relevant requirements for loans stipulate that:
1. The lender shall establish a loan management system of grading approval. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority.
2. The guaranteed loan shall be signed by the guarantor and the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor as a legal person, and be signed by the legal representative or authorized agent of the guarantor.
3 mortgage loans by the mortgagor, pledger and lender signed a mortgage contract and pledge contract. If registration is required, it shall be registered according to law.
Baidu encyclopedia-general rules for loans
4. Can I get a loan for my business license?
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.