1. Short-term loans: Short-term loans refer to loans with a loan term of less than one year, which are used for short-term capital turnover of enterprises, such as purchasing raw materials and paying wages.

2. Operating loans: Operating loans refer to loans used for daily business activities of enterprises, such as purchasing equipment and expanding production.

3. Accounts receivable pledge loan: Accounts receivable pledge loan refers to a loan that an enterprise applies to a bank with accounts receivable as collateral to solve the short-term capital turnover problem of an enterprise.