(1) finance lease
Financing lease of small and medium-sized enterprises refers to the financing mode that the lessee purchases the leased property from the supplier according to his own choice of suppliers and leased property, and provides it to the lessee for use, and the lessee pays the rent in installments within the time limit stipulated in the contract or contract.
If small and medium-sized enterprises want to obtain financial leasing, their own project conditions are very important. Financial leasing focuses on the future cash flow of the project. Therefore, the success of small and medium-sized enterprises' financial leasing is mainly concerned with the interests of the leasing project itself, not the comprehensive interests of enterprises. In addition, the credit of enterprises is also very important. Like bank loans, good credit is the basis for the next loan.
(2) Bank acceptance bills
In order to reach a deal, both sides of SME loans can apply to the bank for issuing a bank acceptance bill. After the bank has passed the examination and approval, it formally accepts the bank acceptance contract, and the accepting bank must sign the acceptance bill to indicate acceptance or signature. Such a bill accepted by a bank is called a bank acceptance bill, specifically, the bank guarantees the buyer, so the seller does not have to worry about not receiving the payment, because the buyer's guarantee bank will definitely pay.
The advantage of accepting SME loans by banks is that enterprises can realize short, frequent and fast SME loans and reduce financial expenses.