you can apply for a business loan from the bank.

Basic conditions for applying for a business start-up loan: 1. Proof of identity and business place 2. Proof of funds 3. Settlement account 4. Loan guarantee

Which banks provide business start-up loans: 1. Business start-up loan business of Industrial and Commercial Bank of China

ICBC has always been strict with the loan business, and it is difficult for individuals to pass the approval without comprehensive application materials. See Table 1 for details.

2. Bank of Communications venture loan business

Bank of Communications venture loan is relatively easier to apply than ICBC, and the interest rate is lower. See Table 2 for details.

3. Shenzhen Development Bank's "Chuangyebao" personal exhibition loan

The "Chuangyebao" personal exhibition loan is a RMB loan issued by Shenzhen Development Bank to individuals for the lender to engage in production and business activities.

4. Personal investment and operation loan of China Bank

Loan conditions: In order to apply for personal investment and operation loan, the lender must meet the following basic conditions: having permanent residence in cities and towns or valid residence status; No bad social credit record and good credit; Open a general deposit account with China Bank; The market prospect of operating products is good and the economic benefits are good; Its operating and financial conditions are good; Can provide effective guarantee recognized by the lender.

loan amount: the starting point of the loan is 31,111 yuan, and the maximum amount is no more than 11 million yuan.

loan term: no more than three years.

loan interest rate: the term interest rate at the same level of the People's Bank of China shall be implemented, and it shall be raised appropriately.

general procedures for applying for a business start-up loan: 1. Prepare materials 2. Fill in the application 3. Get a recommendation 4. Confirm identity 5. Accept the loan 6. Review the loan 7. Deal with the loan

How to increase the success rate of the application: 1. Borrow credit preferential targets. Banks generally favor lawyers, doctors, civil servants, employees of public institutions and people in the financial industry. Such people are listed as preferential targets for credit loans, if they have such relatives.

2. Choose industries with good development prospects

Consider some industries with good operating efficiency and business scope encouraged by the state, so that it is easier to get loan support from banks.

3. find a professional guarantee company

if you really need funds urgently and lack collateral that meets the requirements of the bank, you can consider finding a professional guarantee company. However, it will cost a lot of money to the guarantee company. According to the relevant regulations, the guarantee company will charge the lender no more than 51% of the interest on bank loans during the same period, and some companies will also charge some risk compensation in other names.