What are the specific financing conditions for SMEs?

The financing conditions of SMEs are specific. Which companies are legal and have been operating normally for nearly a year? If you have certain fixed assets, you can choose to use fixed assets as collateral financing. If there are no fixed assets, you can choose another company as a guarantee for financing. 1. Internal financing: mainly including retained earnings of enterprises and employee work units. These two methods can obtain limited funds, and the efforts to solve the capital needs of small and medium-sized enterprises are limited. Ii. External financing 1, indirect financing: it mainly includes bank loans, trust improvement and other indirect financing of entry institutions. This is the most important way and channel for SME financing at present. 2. Direct financing Equity financing: Common stock (with high cost, but diluted equity) and preferred stock (with relatively high cost, which may dilute equity) are almost impossible for small and medium-sized enterprises, and the conditions and threshold for listing are high, even if there is a Growth Enterprise Market (GEM), (besides, the GEM listed now is an enterprise that is not short of funds. Debt financing: issuing corporate bonds (low cost, tax deduction function and high financial risk) China's supervision of issuing corporate bonds is very strict, which is almost impossible. Other direct financing: convertible bonds and warrants, like the above-mentioned stocks and bonds, are difficult for SMEs to raise funds in this way. The main source of financing for SMEs is bank loans. However, according to the data released by the SME Financing and Development Research Project Team, only 20% of SMEs in Zhejiang Province have borrowed money from banks. Then there is a new way of financing for SMEs, private lending, which highlights its advantages. Private lending can solve the problem of enterprises or individuals who need capital turnover in a short time, which is convenient and fast, and can solve the problem of capital shortage on the development road of small and medium-sized enterprises as soon as possible. The financing difficulty of small and medium-sized enterprises not only puzzles the responsible persons of relevant enterprises, but also makes the relevant state departments feel quite difficult in dealing with such problems, because there are many stakeholders involved. On the one hand, the development of small and medium-sized enterprises is not only beneficial to one party's economic development, but also plays an important role in solving the employment problem.