流水上亿小微被“小钱”卡住，分期乐普惠让厂里机器不停转、鱼虾满塘跃

Core Insights - The article highlights the challenges faced by small and micro enterprises in accessing financial services, exemplified by Zhao Zhen, a small business owner in the aquaculture industry who struggles with cash flow despite significant annual revenue [1][8]. Group 1: Business Background - Zhao Zhen started his business in the 1990s, initially trading raw materials for aquaculture feed, and later established his own feed factory in 2019, focusing on fish, shrimp, and crab feed production [2][9]. - His factory quickly gained popularity, selling products not only locally but also to provinces like Zhejiang, Anhui, and Guangdong, becoming a leading fish feed processing enterprise in the region [10]. Group 2: Financial Challenges - In 2023, Zhao expanded his operations by contracting nearly 1,000 acres for aquaculture and invested 4 million yuan in new machinery, leading to increased financial strain [4][12]. - The cost of fishmeal is significant, with prices at 17,000 yuan per ton, requiring over 1 million yuan in working capital to maintain normal operations [4][12]. Group 3: Financial Solutions - Zhao Zhen's experience with traditional loans was slow and cumbersome, often requiring property collateral, which delayed access to necessary funds [4][12]. - Recently, he utilized a service called Fenqi Le Puhui, which provided a quick loan approval process, allowing him to access funds almost immediately, thus addressing his cash flow issues effectively [4][12][15]. Group 4: Industry Impact - The article emphasizes the importance of small and micro enterprises like Zhao's in the local economy, contributing significantly to regional production and employment [5][13]. - Fenqi Le Puhui's innovative approach combines local service with online data risk assessment, enabling better access to financial services for small businesses, thus fostering economic resilience in county-level economies [5][15]. Group 5: Service Reach and Impact - Fenqi Le Puhui has expanded its services to cover over 30 provinces and 330 counties, assisting more than 4 million small users in overcoming financial challenges [15]. - In the third quarter of 2025 alone, nearly 160,000 users received a total of 5 billion yuan in inclusive loans, demonstrating the platform's significant role in supporting small enterprises [15].