How to get a loan for a business license

The ways of online loan for a business license are as follows:

1. Dianrong Food Loan is an online loan designed for catering enterprises to help them open branches and decorate storefronts. The maximum loan amount of Dianrong Food Loan can reach 1 million yuan, and the minimum daily interest rate is only 1.14%, with automatic repayment every day as soon as 1 days.

2. Agricultural Bank of China Micro-credit, which also serves small and micro enterprises, can be applied through online banking and mobile banking. The loan amount of agricultural bank of China micro-credit can reach 1 million, and the loan period is 1.2 months.

3. Micro-enterprise loans from Weizhong Bank. Micro-enterprise loans from 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 enterprise loans can reach 3 million yuan, and the longest loan period is 36 periods.

what are the financing methods of limited liability companies?

The methods are as follows:

1. Borrowing chickens and laying eggs for financing

2. Inventory financing

3. Raw materials financing

4. Equipment financing

5. Accounts receivable financing

6. Accounts payable financing

7. Accounts received in advance financing

8. Prepaid financing

. P > 14. Private capital management company financing

15. Crowdfunding

16. Internet financing

17. Professional cooperative credit financing

18. Acquisition financing

19. Advantage business financing

21. Advantage process financing

21. Bank entrusted loan

22. Products

26. Domestic bank loans

27. Foreign bank loans

28. Credit guarantee financing

29. Financial leasing financing

31. Equity transfer financing

32. Equity transaction financing

33. Introducing venture capital

. Commercial credit financing

41. International trade financing

41. Compensation trade financing

42. High-tech financing

43. Special fund financing

44. Industrial policy investment

All these methods are ok. The key is whether you can operate them, but many enterprises can't succeed. The fundamental reason is that they can't package and operate the details.

the financing method must cooperate with the financing package to achieve better results. This is like practicing martial arts, which is more effective only if you learn routines and connect with internal skills. A routine without internal skill is a flower shelf. Without internal skill, you can't make it strong. The same is true for financing, and only the method of packaging will be more effective.

My philosophy is

"Anyone who doesn't dare to package financing is a big bluff"

"Anyone who doesn't care about the result is a hooligan"

How to apply for a corporate loan

① Customer group: a limited company or a wholly-owned enterprise aged 24-65, established for more than 6 months with all three certificates

Legal representative

② Income requirements: monthly income. It is necessary to provide personal or company running water for nearly half a year

③ Credit conditions: no bad record of default

④ Other conditions: local real estate

⑤ Other restrictions: high-risk industries such as entertainment and steel trade are not allowed to enter

I. Enterprise loan application materials (legal person)

① Business license (original and copy) that has passed the annual inspection

② Legal representative. Running water in bank account

④ Collateral ownership certificate

⑤ Other materials required for loan processing

2. Enterprise loan refers to a way for an enterprise to borrow money from a bank or other financial institution at a specified interest rate and term for the needs of production and operation. The loans of enterprises are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic factoring with recourse, and escrow loans for export tax rebate accounts.

iii. Credit loan

A credit loan refers to a loan issued by a bank on the credit of a borrower, and the borrower does not need to provide a 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 years or less.

2. Medium-term loan: refers to a loan with a loan term of 1 years (excluding) to 5 years (including).

3. Long-term loan: refers to the loan with a loan term of more than 5 years (excluding).

iv. fixed assets

fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects.

According to the purpose of the loan, it can be divided into capital construction loans and technical transformation loans:

1. Capital construction loans refer to medium and long-term loans for capital construction projects approved by competent authorities. A capital construction project refers to the sum total of one or several single projects according to an overall design, including new projects, expansion projects, factory-wide relocation projects and restoration reconstruction projects.

2. Technical transformation loans: refer to medium and long-term loans for technical transformation projects approved by competent authorities. Technical transformation project refers to the renewal and transformation project based on the original production and operation of the enterprise, adopting new technologies, new equipment, new processes and new materials, and popularizing and applying scientific and technological achievements.

Can a company borrow money? What are the requirements for a company loan?

Mortgage loan, working-class consumer loan, company loan, credit loan, etc. There are many loan models and ways. Therefore, can a company borrow money? Undoubtedly, yes, but what are the requirements for a company to borrow money? First of all, it is not possible to apply for an operating loan, but a business license of more than one year is a prerequisite for a company loan.

for the modern economic development level, there are many loan methods, such as housing mortgage, mortgage loan, working-class consumer loan, company loan, credit loan, etc. There are many loan modes and ways. Therefore, can a company borrow money? Undoubtedly, yes, but what are the requirements for a company to borrow money? First of all, it is not possible to apply for an operating loan, but a business license of more than one year is a prerequisite for a company loan. Let me give you a detailed talk.

Can the company get a loan?

It is not possible to get a business loan, because it is generally required that the business license be over one year. Besides the business license, you should also provide your personal ID card and bank account. Bank flow should be six months or more.

What are the requirements for corporate loans

Application conditions

1. China citizens (excluding Hong Kong, Macao and Taiwan residents) with full capacity for civil conduct, including individual industrial and commercial operators, major partners of sole proprietorships/partnerships/limited liability companies or major natural person shareholders.

2. He is over 18 years old and under 61 years old, has a fixed residence within the jurisdiction of the branch, and has a permanent residence or valid residence certificate;

3. The borrower and its business entity have good credit and stable operation;

4. Other conditions stipulated by relevant banks.

Application materials

1. Original and photocopy of valid identity documents, household registration certificates and marital status certificates of the borrower and his spouse;

2. The original and photocopy of the annual business license of individual industrial and commercial households, partnership enterprises or enterprise legal person;

3. Personal income certificate, such as personal tax payment certificate, salary certificate, personal dividend certificate in business entity, rental income, deposit, national debt, fund and other average financial assets certificate in ICBC or other banks in recent 6 months, etc.

4. bank settlement account details or tax payment vouchers that can reflect the recent business conditions of the borrower or its business entities;

5. the original and photocopy of the ownership certificate of the mortgaged property. The certificate that the person who has the right to dispose of the property (including the owner of the property) agrees to mortgage.

6. If the loan is secured, relevant information of the guarantor shall be provided;

7. Other information required by the bank.

can the company lend money? I explained in detail what the company needs for loan. First of all, if the company is established for business and its business license is more than one year, the company's bank flow certificate for public water or the personal conditions of the company as a legal person. I gave my friends a detailed list of the specific information needed, such as the company legal person and business license, and industrial and commercial registration's proof that these are essential, and then we need to see what way to borrow money.

what conditions do you need to meet when handling enterprise loans?

what conditions do you need to meet when handling enterprise loans?

What procedures and conditions do you need for enterprise loans mainly depend on what kind of loan business the enterprise runs and the requirements of the handling bank or lending institution. Different types of loan business handled by enterprises, different banks or lending institutions apply for, and the procedures and related conditions will be different.

For example, if an enterprise applies for a credit loan, it can directly bring business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the business outlets of banks (lending institutions) to find staff to handle it.

after filling out the application form, submit it to the staff together with the materials, and then wait for the audit results. When the audit results come out, the bank or lending institution will inform the customer, and then the customer will go to the outlet and sign a loan contract with the bank (lending institution). After signing the contract, the bank (lending institution) will lend money.

The conditions of banks (lending institutions) in enterprise credit loans generally focus on whether the credit rating of the enterprise reaches the standard, whether the business owner (borrower) has a bad credit record, whether the operation time is enough, whether the operation is stable, whether the profit income is good, and so on.

if you want to apply for a mortgage loan, you need to go through the mortgage registration formalities in addition to applying for and signing a contract at the business outlets. And the information prepared must also have the relevant documents of collateral. In terms of conditions, in addition to the above, the value of collateral will be required to be sufficient.

Is the limited liability company financing? What are the financing methods?

Limited liability companies can finance. The financing methods of limited liability companies are as follows:

1. Indirect financing methods such as loans commonly used by general companies. Indirect financing is fast and simple; But the threshold is high and the cost is high. Suitable for small funds.

2. Direct financing through venture capital/venture capital (VC) and private equity (PE). The process of direct financing is complex and professional. Suitable for large amount of funds, in the critical period of the company's growth or in the period of operational difficulties due to lack of funds, the reasonable introduction of high-quality VC and PE will not only inject much-needed funds into the company, but also play a huge role in optimizing the corporate governance structure and improving the company's operating level.

Tips: The above explanations are for reference only.

Response time: August 2, 2121. Please refer to the latest business changes announced by Ping An Bank in official website.

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