Hello, my family runs a restaurant. I am a self-employed person and want to borrow money. But I went to the bank in our city and asked if the business license was not available for loans. Is it possible to get a loan? Whether the business license can be loaned depends on the bank's loan requirements. Under normal circumstances, individual business licenses can be applied for more than one year, and new business licenses cannot be applied for business license loans. In addition, the borrower must have a fixed business place, a good credit status and a stable income certificate, otherwise it is impossible to apply for a loan only by relying on the business license.

The business license for applying for a loan requires the following information to be provided to the bank:

Loan application, company profile, copy of company business license, enterprise code certificate, tax registration certificate, special industry production and operation license, qualification certificate, articles of association, capital verification report, introduction of legal representative, corporate loan ID card, legal representative identity certificate issued by the company and other materials required by the bank.

In addition to applying for loans with business licenses, there are also many credit platforms to help small and micro enterprises turn over capital. Remember to choose a formal platform, such as Xiaoman Finance, with high quota and low interest rate. It is understood that 70% of Xiaoman Finance's credit users are small and micro business owners, and big brands are more assured.

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