What are the financing forms of small and micro enterprises?

What are the financing forms of small and micro enterprises? The common financing methods of small and micro enterprises are: intangible assets guarantee loan, natural person guarantee, pawn financing, comprehensive credit, credit guarantee loan, centralized housing loan and so on. For corporate loans, different lending institutions will have corresponding loan products. Therefore, business owners must know more before applying for loans and choose the most suitable loan method through comparison. (I) Intangible assets secured loan According to relevant laws and regulations, intangible assets such as trademark exclusive right, patent right and property right in copyright can be used as loan collateral. (II) Natural person guarantee Natural person guarantee can take three ways: mortgage, pledge of entitled interests and mortgage plus guarantee. Property that can be mortgaged includes all personal property, land use rights and means of transportation. But if the borrower fails to repay the loan within the time limit, the bank will investigate the guarantor's guarantee obligation! (3) Pawn financing Pawn is a financing method to obtain temporary loans in the form of physical ownership transfer. (4) Comprehensive credit banks grant credit lines with deposit lines within a certain period of time to some enterprises with good operating conditions and reliable credit, and enterprises can recycle the credit lines within the validity period and scope. (V) Credit guarantee loans At present, more than 65,438,000 cities across the country have established credit guarantee institutions for small and medium-sized enterprises. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. (VI) Housing loan If there is a reliable market for the products of the enterprise, but the bank has insufficient self-owned capital, poor financial management foundation, and it is difficult to provide collateral or seek third-party guarantee, it can provide loan support to the buyers of its products according to the sales contract. In the course of the company's operation, it is inevitable that the capital turnover will be ineffective. No matter how big or small the company is, the first thing that comes to mind when encountering such difficulties is to find someone to invest, which is also called financing. Introduce new capital investment to alleviate the urgent needs faced by enterprises. It may be easier for big companies. In recent years, it will be more difficult for some small and micro enterprises to find someone to invest. Now the market is depressed, and people are very cautious about their money.