I want to borrow 80 thousand to start a business with others I have no collateral.

Hello, it's not like this. Collateral is not an indispensable condition. Even if there is no collateral, commercial loans can be made. However, if you apply for a commercial loan without collateral, the amount of commercial loan that an individual can apply for will be relatively low. Most entrepreneurial loans that can be applied for can only be applied for up to 50,000. Moreover, there is no collateral. To apply for a venture loan in a bank, you need a certain guarantee to handle it. Many banks require applicants to provide certain guarantees, and this guarantee also needs to be a third-party guarantee recognized by the bank. So although you can get a loan without collateral, but the amount is too low, it is recommended to provide collateral.