The crossword solution for the term 'IT HAS BARK WITH NO BITE' is 'TREE', which has four letters. A tree is a type of plant that has a trunk and branches, and is usually covered in bark. The phrase 'bark with no bite' is used to describe someone who talks tough but does not follow through on their threats. Therefore, the phrase 'IT HAS BARK WITH NO BITE' is referring to a tree, as it has bark but cannot actually bite.