1. Bank loans are one of the main ways for small and micro enterprises to finance. When lending, banks will select some enterprises with relatively good operating conditions and good credit to issue loans and grant a certain amount of credit line within a certain period of time. , through this loan method, enterprises can develop better.
2. Mortgage loan. Small and micro enterprises mortgage their factories or machines to banks. In actual loans, many small and micro enterprises will use it. However, mortgage loans generally ask third-party institutions to evaluate the collateral and determine the actual value based on the loan. Make loans.
3. Enterprises issue bonds for financing. These bonds are securities issued by enterprises according to specific procedures and agree to repay principal and interest within a certain period. They represent the relationship between the bond-issuing enterprise and investors. It is a creditor-debt relationship.
4. Small and micro enterprises can also apply for loans secured by intangible assets. For example, the trademarks and patents of many enterprises are very valuable. You can also apply for loans using these intangible assets.
5. Small and micro enterprises can also use natural person guaranteed loans when applying for loans. Natural person guaranteed loans are generally divided into three methods, namely mortgage, pledge of benefits to be enjoyed and mortgage plus guarantee; if the borrower is overdue To repay the loan, the bank will hold the guarantor accountable for its guarantee obligations.