安徽合肥：一家科技型小微企业 无抵押物获贷款

Core Viewpoint - The article highlights the importance of financial support for technology-driven companies, particularly focusing on the case of Lintu Technology, which is leveraging AI for industrial quality inspection and facing financing challenges due to its asset-light model [2][3][4]. Group 1: Company Overview - Lintu Technology is a small and innovative enterprise with 34 domestic and international patents and 48 software copyrights [3]. - The company specializes in AI visual inspection systems that can detect minute defects, significantly reducing rework costs for manufacturers [2][3]. Group 2: Financial Challenges - Lintu Technology faces financing difficulties due to its reliance on leased facilities and equipment, making it hard to secure traditional bank loans that require fixed asset collateral [3]. - The company's R&D investments are not fully reflected in financial statements, complicating its ability to demonstrate value to potential lenders [3]. Group 3: Financial Solutions - A tailored financing solution, "Ke Chuang Wan Mei Loan," was provided by a local bank, offering a 3 million yuan unsecured loan at preferential rates to support Lintu Technology's raw material procurement [3][4]. - The bank's evaluation model assesses companies based on human capital, innovation capability, operational performance, social recognition, and industry position, allowing Lintu Technology to secure higher credit limits despite lacking physical collateral [3]. Group 4: Future Plans and Growth - With financial backing, Lintu Technology plans to expand its R&D team from 50 to 150 employees and enhance its capabilities in testing components for new energy vehicles [4]. - The company is also developing semiconductor wafer inspection equipment, aiming to contribute to domestic alternatives during the "14th Five-Year Plan" period [4].