1. Intangible assets mortgage loan: According to the relevant provisions of the Civil Code, intangible assets such as trademark exclusive right, patent right and property right in copyright that can be transferred according to law can be used as loan collateral.
2. Natural person guarantee loan Natural person guarantee can take three ways: mortgage, right pledge and mortgage plus guarantee. Mortgage plus guarantee refers to the joint liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the principal and interest of the loan on schedule or commits other breach of contract, the bank will require the guarantor to fulfill the guarantee obligation.
3. Financial leasing: Through financial leasing, enterprises can obtain the required advanced technology and equipment with less funds, and they can also pay the rent while producing. For enterprises lacking funds, financial leasing is a good way to accelerate investment and expand production; for some enterprises with overstocked products, financial leasing is a good means to promote sales and expand the market.
Legal basis: Article 735 of the Civil Law of People's Republic of China (PRC) is a financial lease contract in which the lessor purchases the lease item from the seller according to the lessee's choice of the seller and the lease item, provides it to the lessee for use, and the lessee pays the rent.