[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-252":3,"articles-for-recommend-252":16},{"code":4,"message":5,"data":6},200,"success",{"id":7,"title":8,"content":9,"keywords":10,"date":11,"author":12,"readTime":13,"category":13,"views":14,"summary":13,"is_pay":15},252,"执照贷专栏 Ⅰ 没开票没纳税，只有营业执照的客户，做这些口子准没错！","\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">目前圈里公认7款执照贷，有大行的有小行的，产品条件上各有优劣，今天一次性分享给有需要的小伙伴！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(255, 0, 0);\">苏宁银行商户贷\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cbr\u002F>目前公认最好批的执照贷，最高20万，成立1年以上企业或者个体，变更6个月即可，无需开票不用纳税，比较有特色的要求就是需要信用卡使用记录\u003Cbr\u002F>征信要求也比较简单，白户不做，没有当逾，近3个月贷款贷记卡都没有历逾，未结清机构数不超15家\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">查询上近1个月贷款审批次数<6次，近3个月贷款审批查询次数<9次，信用卡使用额度＞5000元\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em; text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240219\u002F80244baf53ca4faefa764f666c8a27e4.png\" title=\"80244baf53ca4faefa764f666c8a27e4.png\" alt=\"80244baf53ca4faefa764f666c8a27e4.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">新网银行好商贷\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cbr\u002F>有小伙伴知道原来的工行e商助梦贷，其实就是现在的新网好商贷，这个产品并不是很好批，但如果客户查询不多，有按揭在还的，优先做好商贷准没错\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">跟苏宁一样，无需开票纳税，流水也不要，个体和小微都能进，运气好的话还能批出来先息后本，最高100万，变更只需3个月\u003Cbr\u002F>征信对逾期没有太大要求，无2以上即可，累逾尽量控制在3次以内，最近6个月内的查询机构数≤10个\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em; text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240219\u002F649e087e9437645dff77a3c4770e5656.png\" title=\"649e087e9437645dff77a3c4770e5656.png\" alt=\"649e087e9437645dff77a3c4770e5656.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">瀚华金控商户贷\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cbr\u002F>对这个产品没啥好聊的，你们听我的，微信经营流水、支付宝经营流水、银行卡流水三合一认证，只有流水大才能批出来额度\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">如果你的客户负债高，流水没多少的就放弃做瀚华商户吧，虽然有先息后本的还款方式，不值当多一条查询\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"font-size: 16px; font-family: 微软雅黑;\">近6个月不能有逾期，近1年不能有2，不能有连逾1，\u003C\u002Fspan>\u003Cspan style=\"font-family: 微软雅黑;letter-spacing: 0;font-size: 19px\">\u003Cspan style=\"font-size: 16px; font-family: 微软雅黑;\">近\u003C\u002Fspan>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">6个月查询机构大于15禁入\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em; text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240219\u002Fc3134a68a14e744ceea8f4635d5a5a80.png\" title=\"c3134a68a14e744ceea8f4635d5a5a80.png\" alt=\"c3134a68a14e744ceea8f4635d5a5a80.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">民生银行商户贷\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">紧跟兴闪贷的一款银联收款流水商户贷，本来以为山中无老虎，谁知道风控做的太好了，额度不太大，但是优势也很明显，先息后本12期还是很给力的，最高50万\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"letter-spacing: 0px; font-family: 微软雅黑; font-size: 16px;\">禁入行业有点意思，不做房地产、建筑工程、装饰、珠宝、服装、电子产品，其他的没啥限制\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">征信负债尽量控制在100万以内，有超的话，流水就需要超出数倍才能批出来额度了\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">查询还好，非银6个月内查询小于5次，包含银行在内查询小于6家；历逾近两年不能超过2次，近5年不能超过5次；未结清的非银机构数小于4家\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em; text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240219\u002F38477a00cb1a2c26784be2222098282a.png\" title=\"38477a00cb1a2c26784be2222098282a.png\" alt=\"38477a00cb1a2c26784be2222098282a.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">工商银行商户贷\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cbr\u002F>其实现在市面上做的是工行app里面500万的经营快贷，并不是同界面300万的商户贷，先息后本、月息2厘、随借随还都是标配\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">本行收款码或者他行三方银联收款码都可以做，要的就是流水越大越好批，额度也会越大\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">相对的征信要求也不低，近1年无逾期记录，2年内无2次逾期，但是查询上比民生宽了很多，近6个月贷款审批查询次数不得超过15次(担保资格需审查)\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em; text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240219\u002Fc77a879c0d728fcf03e9c6d64d2fcb49.png\" title=\"c77a879c0d728fcf03e9c6d64d2fcb49.png\" alt=\"c77a879c0d728fcf03e9c6d64d2fcb49.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">建设银行商户云贷\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cbr\u002F>建行说白了就是做惠懂你，直接在app测额就可以，刚变更的客户最好是满3个月再去做会更稳，个体和有限公司都可以做\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">收款码流水已经改了，至少要满足6个月以上，且流水能够覆盖信用负债余额，没啥流水的就别碰瓷了，比如100万的负债，你流水至少要200万以上\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">征信对历逾没有特别要求，包括查询次数，差不多就可以，有明显不良的肯定过不去，信用负债不超500万，信用卡也不能刷空\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em; text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240219\u002Ff6626317733e600c35137f2a632ef739.png\" title=\"f6626317733e600c35137f2a632ef739.png\" alt=\"f6626317733e600c35137f2a632ef739.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">农业银行商户贷\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cbr\u002F>农行的现在贼火，做的就是速度，抢客户贼快，线上过不去的，线下加白还能继续出，全国都说农行疯了\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">跟建行相比，农行需要成立2年以上，个体有限公司都可申请，原则上来说收单结算需要满12个月，但实践有3个月流水的也批了，摸不准，确实摸不准，只能说披疯了，符合建行的就干上去\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">征信查询上可能会卡一些，尽量控制在3个月＜6次吧\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240219\u002F693614994e74399d5a1d786d1fd1a4d7.png\" title=\"693614994e74399d5a1d786d1fd1a4d7.png\" alt=\"693614994e74399d5a1d786d1fd1a4d7.png\"\u002F>\u003C\u002Fspan>\u003C\u002Fp>","#苏宁商户贷 #瀚华金商 #新网好商贷 #民生商户贷","2025-07-10 18:15:26","易企胜","",133,1,{"code":4,"message":5,"data":17,"meta":68},[18,23,28,33,38,43,48,53,58,63],{"id":19,"title":20,"cover_img":21,"is_pay":15,"create_time":22},1062,"微众个人经营贷（个体户）到底符合什么资质才能批出来额度？","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FaZs5ZxjCJx.png","2026-04-16 09:46:33",{"id":24,"title":25,"cover_img":26,"is_pay":15,"create_time":27},1061,"富民银行发票贷—富业贷重磅回归，需查白名单，2026年3月最新申请大纲！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FE5WxtMY6Yf.png","2026-03-30 16:48:24",{"id":29,"title":30,"cover_img":31,"is_pay":15,"create_time":32},1060,"商户贷陪跑必看：不搞懂银行流水，你永远贷不到钱！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FNJtXwecC1i.jpg","2026-03-26 12:29:09",{"id":34,"title":35,"cover_img":36,"is_pay":15,"create_time":37},1059,"2026年最新总结：交通银行惠民贷出额逻辑！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FbEbFYfMNkr.png","2026-03-23 11:37:05",{"id":39,"title":40,"cover_img":41,"is_pay":15,"create_time":42},1058,"建行惠懂你：个体户26年3月最新贷款标准、出额规则、扣减规则！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FrpYsAnFFhd.jpg","2026-03-19 16:15:54",{"id":44,"title":45,"cover_img":46,"is_pay":15,"create_time":47},1057,"助贷中介必看：企业融资税票贷注意事项！（小白科普文）","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002F3FQjXYA5wX.jpg","2026-03-18 10:36:31",{"id":49,"title":50,"cover_img":51,"is_pay":15,"create_time":52},1056,"为什么都做交通惠商贷2.0，少有人做普惠e贷，原因很简单！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FhJhwTcfkzA.png","2026-03-16 16:05:41",{"id":54,"title":55,"cover_img":56,"is_pay":15,"create_time":57},1055,"今年315为啥没有曝光助贷的事儿？","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FFB7PBE5CSf.png","2026-03-16 10:45:17",{"id":59,"title":60,"cover_img":61,"is_pay":15,"create_time":62},1054,"日不落产品—微业贷，营业执照满1年即可准入，股东持股10%可申请！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FC4hx8X68t7.png","2026-03-05 14:56:43",{"id":64,"title":65,"cover_img":66,"is_pay":15,"create_time":67},1053,"2026交通银行经营贷—惠商贷2.0最新产品图文操作流程（建议收藏）","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002F6R5PdehEpn.png","2026-02-28 10:08:03",{"total":69,"per_page":70,"current_page":15,"last_page":71},665,10,67,1776829690576]