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 Dianrong Food Loan can reach 6.5438+0 million 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.

What are the conditions for small business loans?

Small business loan application conditions:

1. conforms to the national industry 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 has no bad credit record;

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

4. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the products have market and benefits;

5. Have the ability to perform contracts 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 operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;

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

8. Abide by the policy of establishing industry credit related to small enterprises;

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 copy of business license; Enterprise name and business address (province, city and county);

2. Original and photocopy of organization code certificate;

3. Original and photocopy of 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; Work experience (work experience and position) of the legal representative;

7. Legal person's employment certificate and legal person's resume; The power of attorney of the authorized agent and the original and photocopy of 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; The audited financial statements of the company in the last three years (including complete notes) and the financial statements in the last three months;

1 1. Property area, purchase value (ten thousand yuan) and location of the property (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), project purpose and feasibility report;

16. Guarantees that can be provided (proof of ownership of residential mortgage, store mortgage, industrial plant, enterprise guarantee, inventory pledge, accounts receivable pledge, etc.). ); Counter-guarantee measures to be provided;

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 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 below 654.38+million yuan;

The standard for dealing with 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 small wholesale 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 below100000 yuan;

The standard of 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 of small storage enterprises is that the number of employees is below 100 or the annual sales of enterprises is below1000 yuan.

As long as one of the above-mentioned standards of the number of employees or annual sales (total assets of the enterprise) is reached, it can be identified as a small enterprise.

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. , you must also provide a bank account 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 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 do small and micro enterprises borrow money?

Question 1: How do small and micro enterprises carry out enterprise credit loans? They need a business license for more than 3 years, have real estate in the local area, and the annual running water exceeds 6.5438+0.2 million, so they can borrow up to 300,000 yuan.

Can be used as enterprise mortgage loan: the property under the legal person's name can be used as mortgage loan, with the maximum loanable property value of 140% and the business license of more than one year.

Personal mortgage loan can be made: private property under the name of an individual can be used as a mortgage loan, with a maximum loan of 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 citizen with full capacity for civil conduct;

2. Proof of fixed residence and business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate 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, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.

4. Settlement account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not 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, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly.

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, it has not been determined whether individuals pay interest first, then financial subsidies, or financial interest in advance, but the financial discount is certain.

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

Question 3: Does the loan for small and micro enterprises 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 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;

10, ID card of 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 password;

17. Description of providing loan guarantees for other enterprises;

18, repayment plan;

19, a copy of the ongoing and upcoming commercial contracts;

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 assessment report.

Question 4: How do banks define loans for 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 provides loans for small and micro enterprises ranging from 6,543,800 yuan to 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 aims at personal business loans and micro-loans of less than 2 million yuan.

Question 5: Application conditions for corporate loans of small and micro enterprises As far as I know, corporate loans of 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.

Small business companies have a high credit line, such as the highest amount of 20 million yuan stipulated by the Postal Savings Bank; 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.

Corporate loans for small enterprises can be secured by real estate mortgage, chattel pledge, guarantee and other means, or they can be used in combination.

Two, small and micro enterprise legal person loan application conditions

1. Customer group: legal representative of a limited company or sole proprietorship enterprise aged 24-65, established for more than 6 months, with complete 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 breach of contract;

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 materials: such as the business license (original and copy) that has passed the annual inspection;

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

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

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

5. Other materials required for handling loans.

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

The materials to be prepared are:

Business license, code certificate of technical supervision bureau and 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 agreement, joint venture agreement or partnership contract or shareholders' agreement of the non-wholly-owned enterprise;

5. Details of settlement accounts in the past year;

6. Financial statements for the last three years;

7. Contracts and vouchers related to financing.

Five steps in the process of scouring financial loans: applying for loans online; Staff telephone confirmation; Consultant evaluation; Send it to the bank; Bank loan.

Question 7: How do small and micro enterprises handle ICBC loans? What information do small and micro enterprises need to prepare if they want to apply for ICBC loans? The details are as follows: 1. 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; 4. Articles of Association, capital verification report, investment agreement, joint venture agreement or partnership contract or shareholders' agreement of a wholly-owned enterprise; Fifth, the details of settlement accounts in the past year; Sixth, the financial statements of 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 of financing. Due to the small scale and large quantity, the existence of small and micro enterprises can be ignored in this economic wave, and banks may even ignore them because they have better customers waiting for them. So how do small and micro enterprises apply for loans from banks? What are the specific steps? Preparation materials: conditions (data) 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, etc. Business cooperation and internal financing of enterprises in commercial banks. 8 copies of the financial audit report and the latest financial statement of the enterprise for three consecutive years (with financial stamp). Articles of association, signatures and power of attorney of the legal person and the authorized person. Basic information materials such as enterprise introduction and related background materials 10, articles of association, and list of board members. Specific steps: 1. Application, basic information, auxiliary information, necessary information for business operation A, credit application, resolution of the board of directors of the enterprise (as required by the articles of association); B. The specific purpose of the loan and the direction of the use of funds (the plan and total amount of funds used); C. Analysis of repayment sources (plans and measures) and monthly cash flow analysis of repayment fund arrangement; Mortgage situation, other relevant legal documents, letters, etc. The second is to make a comprehensive judgment on the feasibility analysis of credit evaluation for project approval. Pre-loan review. The contracting bank shall sign a loan contract with the lender if it considers that all the loan applications meet the requirements after examination and agrees to the loan. Four. 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 fills in the withdrawal voucher uniformly formulated by the bank, and then goes through the withdrawal procedures at the bank. Here, I also want 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 bank's definition of small and micro enterprise loans? Enterprise loan conditions:

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

Working capital, independent financial plans and financial statements; Independent accounting of profits and losses, signing foreign purchase and sale contracts.

3. Have certain self-owned funds. If an enterprise does not have certain funds of its own, once it loses money, it will inevitably crisis bank loans.

The loan funds suffered losses.

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

5. Profit from production and operation. The products produced and operated by enterprises must be marketable and short-term products that can bring 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. An enterprise applying for a loan shall meet the following conditions at the same time: the original interest payable and the due loan have all been paid off, and the outstanding loan has been recognized by the lender.

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

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

The ratio between the owner's equity of an enterprise as a legal person and the total investment required for new projects applying for medium and long-term loans is not less than the investment projects stipulated by the state.

Capital ratio.

Question 10: Why is it difficult for small and micro enterprises to borrow money from banks? Services are big loans, small disdain. Now private lending is very convenient, but the cost is slightly higher.

So much for the introduction of small business license loans.