Make good use of the government's guarantee function. In view of the bank's concern about the credit of small and medium-sized enterprises, small-sized production enterprises can apply for guarantees if they have been operating normally for more than half a year and small-sized non-production enterprises have been operating normally for more than one year. Those who meet the requirements can be guaranteed by the center or special account, and the signing bank can issue secured loans to small business owners. This loan method does not require enterprises to pay insurance funds, and has the characteristics of low threshold, low cost and simple procedures.

Small businesses operate revolving loans. Conventional loans are generally paid off in one lump sum, and loan circulation is not allowed. However, at present, some joint-stock banks have launched revolving loans for small business operations in view of the characteristics of the return of operating income of small businesses, and small businesses with suitable mortgages or guarantees can apply to the banks for handling them. This kind of loan is a one-time loan contract signed by the bank and the borrower. Within the time limit and the maximum amount stipulated in the contract, it can be borrowed at any time, returned at any time, and can be recycled. It can achieve the financing goal of one mortgage, multiple loans and repayment at any time.

Small business joint guarantee loan. Small business joint-guarantee loan is a new type of loan recently launched by some joint-stock banks. This kind of loan is that the borrower forms a joint guarantee group by paying a certain deposit, helping each other and providing loan guarantees, and the bank issues a certain amount of loans. As long as each family pays a certain margin, they can get a loan of three times the margin from the bank. This kind of loan does not need other mortgages and guarantees, but depends more on mutual supervision and restraint between enterprises.

Discounted bills can be financed. Many small enterprises will receive commercial bills drawn by business partners at the time of settlement, among which bank acceptance bills and commercial acceptance bills will take some time to arrive. At this time, many small businesses often have to wait for the payment date. In fact, acceptance bills are also a kind of financing resources, and you can go to the bank to handle bill discount business. This kind of business is that the payee or holder applies to the bank to discount the bank acceptance bill or commercial acceptance bill due in the future, and the bank will pay the money to the payee immediately after deducting the discount interest according to the par value.

Movable property mortgage activation fund. The procedure of chattel mortgage loan is very simple. As long as cars, goods, equipment and other items recognized by banks are used as collateral, lenders can easily obtain a certain amount of loans. This loan mortgage model, which turns dead things into living money, is a bit of pawn, but its loan interest rate is much lower than that of pawn shops, and it is suitable for small enterprises that lack ordinary mortgage resources and have short-term borrowing purposes.