Merchant-guaranteed loan, that is, three merchants form a joint guarantee group. The maximum loan amount of each merchant is 654.38+10,000 yuan, and the loan period is 1 to 12 months. Members of the UNPROFOR team can apply for loans in cycles within the validity period of the UNPROFOR. Revolving loan application means that the loan has been paid off before the loan term, and the applicant can continue to apply for the loan. Merchants' joint guarantee loans are targeted at individual industrial and commercial households and small business owners engaged in business in local urban areas, with business licenses, local accounts or living in the local area for one year. For example, Mr. Li, Mr. Wang and Mr. Liu formed a commercial joint guarantee loan. If Mr. Li takes out a loan, he doesn't need a mortgage, as long as Mr. Wang and Mr. Liu provide guarantees for him. If Mr. Li doesn't repay the loan, Mr. Wang and Mr. Liu will bear joint liability.