What are the conditions for micro business loans, and is micro business loans formal?

At present, micro-business loans are aimed at general taxpayer enterprises or small-scale taxpayer enterprises that have been established for more than two years and have paid taxes for two years and have no bad tax payment records. The micro-business loan needs to be applied for by the enterprise legal person in person, and the system conducts a comprehensive review according to the operation and tax payment of the enterprise.

Micro Business Loan is an online working capital loan service provided by WeBank for the majority of small, medium and micro enterprises, which is an innovative financial product that combines big data analysis and Internet technology. From application to withdrawal, the customer completes all **, no need to pledge, the amount is visible immediately, the funds arrive in the account in minutes, the interest is calculated on a daily basis, and the loan is repaid at any time.

1. Conditions: 1. Sufficient cash flow.

2. The owners of small and micro enterprises have good credit.

3. The company has been successful for more than two years.

4. Be able to provide valid proof of financial resources.

5. Small and micro business owners have a strong willingness to repay and the ability to repay on time and in full.

6. Other conditions required by the bank.

2. According to the term of the loan, it is divided into: short-term loan, medium-term loan and long-term loan

1. Short-term loan: refers to a loan with a loan term of less than 1 year (inclusive).

2. Medium-term loan: refers to a loan with a loan term of 1 year (exclusive) to 5 years (inclusive).

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

It should be noted that the micro-business loan must be applied for by the legal representative of the enterprise in person, and the age must be higher than 16 years old (inclusive).

Small loans** are the most reliable and direct to the account, and compared with other loan methods, the loan application of the online loan platform is convenient and the loan is fast, but the application for online loan should pay attention to the formal large platform, which can better protect personal interests and information security. At the same time, be careful not to pay pre-loan fees to avoid being scammed.

It is recommended that you use Youqian Hua, which is a credit service brand under Du Xiaoman Finance (formerly known as: Youqian Hua, renamed as "Youqian Hua" in June 2018), a big brand with reliable and low interest rates. If you have money to spend - full easy loan, the maximum amount of borrowing is 200,000 (Click on the official free test credit), daily interest rates as low as toIt has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

First of all, the credit of the legal person should be clean, with no current overdue lawsuits, no bad records of stopping the payment of bad debts, and no excessive overdue and online loan application records.

Secondly, the company currently has no lawsuits, the company has not been able to change its records recently, and has a normal business record of invoicing and paying taxes.

The application for micro-business loans can be divided into two forms: channel and autonomous, the self-application is ***, or marketing advertising, the general amount is relatively low, and the interest is relatively high. To apply for a channel, you need to contact the relevant channels to upload the tax invoicing information and increase the loan rate and loan amount of the enterprise.

Moreover, enterprises that currently have micro-business loans can contact for an additional credit of 500,000 yuan!

Micro-business loans are reliable. The maximum loan amount of micro-business loan can reach 3 million yuan.

After that, the real-name authentication of the legal entity is carried out, and after applying for the amount verification, the approval result is waited. After the review is passed, the page will have the loan limit. At this time, you can add the corporate account for enterprise collection to complete the withdrawal of the borrowed amount.

The interest rate of the micro-business loan is determined according to the comprehensive qualification of the applicant customer, and it is not a fixed interest. Take the daily interest rate as an example, then the annual interest rate is, then the interest of 100,000 a year is 100,000 * yuan.

Of course, this interest rate is very low, and the borrower must be qualified enough to apply for it. Generally speaking, during the application process, WeBank will assess the company's business status, tax status, debt status, business owner's credit status, etc.

When everyone is short of funds, I use no less than 10 loan products myself, and on the whole, it is still more recommended to have money to spend with Xiaoman (formerly known as finance), for reasons such as up and down: 1. Compared with the invitation system of borrowing and micro loans, you can take the initiative to apply if you have money to spend. 2. The maximum amount is 200,000, the minimum annualized, and the account arrives in 3 minutes, which is already very useful; 3. Regular big platform, don't worry about routines;

4. The general formal product review is relatively strict, although it is easy to use, but it is difficult to apply, and it is the same if you have money to spend, but I am looking for an exclusive application channel for internal personnel, and the next payment rate is very high, so it is the most recommended product in the product, there is no one, since it is recommended to everyone, and the exclusive application channel is presented, and friends in need apply for it themselves, just remember to use it on the same day to get the quota, otherwise it may be withdrawn.

There is another one: 360 IOU is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone, with a limit of less than 200,000 yuan, a term of use between 1-12 months, and a daily interest rate that can be as low as. As a platform under the network security giant, 360 IOUs are still more reliable than general platforms.

360 IOUs can borrow up to 200,000!

The third:"A new loan"It is an unsecured RMB loan business owned or issued by Ping An Bank for personal legal consumption or business purposes other than the purchase of housing. The information is complete, and the loan will be disbursed within 1-3 working days.

Low application threshold: you can apply with an average monthly income of more than 4,000 yuan (car loan, housing loan, provident fund, insurance policy is preferred), the amount is appropriate, and the repayment is flexible: the loan amount is RMB 10,000 to RMB 500,000; The loan term is 12 months, 24 months, 36 months, and up to 48 months for good occupations.

Micro loans. WeLoan is an Internet microfinance product launched by WeBank and Tencent, with a limit of between 500 yuan and 200,000 yuan. Despite the popularity of MicroLoan, not everyone has the opportunity to open a Microloan.

Invited users can see the entrance of WeLoan in their WeChat wallet, click to enter, and follow the prompts to see how much money they can borrow. At present, there are two channels for WeLoan: WeChat and QQ.

I would like to remind you that WeLoan only supports the whitelist activation system, and only invited users have the opportunity to open it.

Micro-business loans. Micro Business Loan is a loan product launched by WeBank, a subsidiary of Tencent, which specializes in providing loan services for micro, small and medium-sized enterprises. At present, the maximum amount that can be applied for a micro-business loan is 3 million yuan, and the actual amount of application is related to the credit situation of the enterprise.

During the approval process, the micro-business loan will make a comprehensive assessment of the assets, taxes and income of the applicant enterprise, and the review will be completed in 15 minutes at the earliest, and the loan will be credited to the account in 1 minute at the earliest. In terms of repayment, the maximum repayment period of WeLoan is 36 installments, and the lowest annual interest rate is the same, depending on the credit situation of different enterprises.

It is recommended that you use Youqianhua, Youqianhua is a credit service brand under Du Xiaoman Finance, a big brand is reliable, and the interest rate is low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

Special note: Withdraw the full amount as soon as possible after the quota is issued, because the risk control is dynamic.

The prerequisite for applying for WeBank is to enter the whitelist screened by WeBank. Only by entering the whitelist can you apply for WeLoan, which selects the first batch of users who are most in line with the customer positioning of WeBank through the "whitelist", and if the user finds the icon of "WeLoan" in the QQ wallet, it proves that he has become the first batch of customers of WeBank, but the self-application entrance is not opened.

Hello is not *** Micro Business Loan is the first fully online, unsecured corporate working capital loan product launched by WeBank in 2017, which has served more than 1.7 million corporate legal persons in the past three years with the Internet efficiency of "1 minute, 1 mobile phone, serving 200 small and micro enterprises". Up to now, WeBank's micro-business loans have opened financial loan services for small and micro enterprises in more than 20 provinces in China, with a total amount of nearly 400 billion yuan. According to statistics, more than 60% of the micro-business loan customers did not have any corporate loan records at the time of obtaining credit.

From the perspective of enterprise scale, more than 60 enterprises have an annual operating income of less than 5 million yuan. More than 70% of the customers of the credit enterprises come from the manufacturing, high-tech and wholesale and retail industries, all of which are small and micro enterprises in the real economy.

Reliable. The micro-industry loan is an exclusive loan tailored for the development of small and micro enterprises by Weizhong Bank, with a maximum amount of 3 million yuan. We should all be familiar with Weizhong Bank.

Weizhong Bank is the first private bank to open in China. It was initiated and established by a number of well-known enterprises such as Tencent, Baiyeyuan and Liye, and obtained a financial license issued by the Shenzhen Banking Regulatory Bureau in December 2014.

The business license of individual industrial and commercial households can be loaned, and the following conditions must be met: 1. The loan of individual business license needs to be operated for more than one year, and it needs to be reviewed by the industrial and commercial department; 2. Chinese citizens over the age of 18 with full capacity for civil conduct, with permanent residence; 3. The borrower needs to have sufficient repayment ability and can provide the bank for nearly half a year. Let's follow the legal express to find out.

1. How to get a loan for a self-employed business license.

When applying for a loan with a business license, in addition to the business license, the borrower is also required to provide his or her own identity certificate, marriage certificate, address certificate, etc., and must also provide bank statements for more than half a year. The more complete the information is prepared, the more conducive it is to apply for a loan. The self-employed business license loan is highly targeted and the repayment method is flexible.

Strong pertinence: tailor-made for individual industrial and commercial households, and meet the capital needs of individual industrial and commercial households in production and operation in many aspects. Flexible repayment options:

Implement maximum loan balance management, and you can choose different repayment methods.

Application process: 1. The borrower shall prepare the above materials and submit them to the lending institution;

2. The lending institution reviews the information and conducts pre-loan investigation on the borrower;

3. The investigation is passed, and the two parties sign a loan agreement;

4. After the agreement is signed, the lending institution will issue the loan;

5. The borrower shall repay the loan in accordance with the content of the contract.

The company itself is legitimate, but recently I have encountered many people impersonating official staff and committing fraud. If you encounter a requirement to pay fees in the process of applying for a loan, you must be all **! Don't believe it!

Applicant Requirements:

1. Applicant's age: 18 years old or above.

2. The legal person is the applicant for the loan (with or without shareholding).

3. Chinese citizens with full capacity for civil conduct.

4. Restrictions on household registration: An enterprise legal person cannot be a foreign legal person (including Hong Kong, Macao and Taiwan).

5. The name of the taxpayer's status cannot take the following values: abnormal, liquidation, cancellation, and inspection.

Enterprise requirements. (1) Taxpayer business grade A, B, C, M, business license for two years, normal tax payment for more than 18 months, tax bureau information and legal person information are consistent and complete the real-name system.

2) The asset-liability ratio is controlled below 70%, and the company and legal person have no litigation information.

3) Enterprises must have and only need to have 3 periods of statements, which are the annual report of the previous 3 years or the annual report of the previous 2 years and the monthly report of the latest month of the current year.

4) Restriction on the type of enterprise: The type of enterprise registration cannot be foreign-funded, Hong Kong-Taiwan joint venture or partnership.

5) High-tech enterprises and innovative patent enterprises may trigger science and technology innovation loans when applying for micro-business loans.

Credit Reference Requirements. 1. The enterprise and its legal representative cannot have overdue loan records.

2. No 2 in half a year, no 3 in a year, no 4 in two years, and no more than 8 inquiries in the past three months;

3. The company has no litigation information.

WeBank. The application conditions for micro-business loans are mainly as follows:

1.Be 18 years old or above and hold a Chinese mainland resident ID card;

2.Be the legal representative of the enterprise;

3.The enterprise is operating well, has stable revenue, and has the ability to repay the principal and interest of the loan on time;

4.Business and business owners are in good standing, credit report.

There is no bad credit history or serious negative information.

General taxpayer enterprises, small-scale taxpayer enterprises and individual industrial and commercial households.

You can apply for a micro-business loan. However, we also need to note that micro-business loans are not open to the whole country.

Extended information: What is a micro-business loan:

1. Micro Business Loan is a loan product launched by WeBank, and the target users are mainly small and micro enterprises of WeBank.

users, so the amount is also relatively large, the highest is 3 million, so it has attracted the attention of many borrowers.

2. In fact, many small and micro enterprise users are both corporate users and individual users of loans. Many people don't know about small and micro enterprise loans, and when they are in urgent need of money, they will apply for loans in their personal names. Of course, individual users can apply for a consumer loan of credit.

Limited, so this group of users is also very keen to be able to get a higher line of credit.

When we take out a loan, we need to understand all aspects of the product, such as the amount, interest rate, repayment period and the consequences of default. Today we will talk about what is the real interest rate of micro-business loans.

3. According to the official ** display of micro-business loan, the term of a single loan of micro-business loan is one year, and the entire loan is borrowed and repaid at any time during the period, and the interest rate is calculated on a daily basis, and the interest rate is approved according to the risk model, and the daily interest rate range is. It is understood that when there is activity, the lowest daily interest rate of micro-business loans is equivalent to the annualized interest rate.

The minimum is. 4. The loan speed of micro-business loan is very fast, and it can be received in one minute at the earliest. In terms of repayment, the micro judgment pure Wu industry loan can be divided into up to 36 installments of repayment, which supports borrowing and repaying at any time. The applicant for the micro-business loan is required to be a legal person of an enterprise or individual industrial and commercial household, and the application materials include the legal person's ID number and bank debit card.

Contact**, national taxes, and more. Enterprises need to have been established for more than 2 years and have declared tax for more than 1 year before applying.