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Core Insights - The article emphasizes the growing importance of credit financing based on personal relationships as a "secret weapon" for entrepreneurs, contrasting it with traditional financing methods like bank loans [2][4]. Group 1: Advantages of Credit Financing - Credit financing based on personal resources offers low trust costs, as friends, relatives, and old clients already have an understanding of the entrepreneur's character and capabilities, which reduces communication and verification costs [2]. - The flexibility of credit financing allows entrepreneurs to negotiate repayment terms based on actual circumstances, such as profit-sharing or deferred payments until cash flow stabilizes [4]. - Credit financing facilitates resource integration and mutual benefits, as entrepreneurs often gain not only funds but also valuable networks and channels, enhancing project development [4]. Group 2: Risks and Considerations - Credit financing carries risks, including the potential loss of funding and damage to personal relationships if projects fail or obligations are not met [6]. - Entrepreneurs are advised to establish clear agreements regarding the use of funds, repayment methods, and default responsibilities, converting verbal commitments into written contracts to avoid disputes [6]. - Maintaining good communication with investors and providing regular updates on project progress is crucial for building trust [6].