The "loan-free subsidy" model focuses on providing first-time entrepreneurs with entrepreneurial ability with no threshold access, that is, applying for small secured loans for entrepreneurs without guarantee, mortgage and interest. Starting from the fourth month after the issuance, the entrepreneurial micro-loan will be repaid in equal monthly installments. Considering the repayment pressure of entrepreneurs, if the micro-loan for entrepreneurship is issued after 10+00 and 1, the repayment method will be adjusted as follows: from the seventh month after the loan is issued, the repayment period is equal to three months (the specific repayment date is the 20th of the last month of each repayment period), and all loans will be paid off within the loan period.

In order to reduce the risk of capital operation and improve the success rate of entrepreneurship, the organizer should provide "companion" tracking service for entrepreneurs during the loan period. Track and guide entrepreneurs, actively help solve the difficulties and problems encountered in the process of starting a business, and let entrepreneurial services run through the whole process of starting a business. At present, the maximum loan amount has increased from 50,000 yuan to 6,543,800 yuan (college students).

Entrepreneurs who apply for small loans should repay the loans on time. If the borrower fails to repay the loan on time for three consecutive months or six cumulative months within the contract period, or other breach of contract occurs, the rural credit cooperatives will take recovery measures against the borrower according to the contract, and record and publish the personal credit status through the personal credit information system.