Core Insights - The article highlights the challenges faced by individuals and small enterprises in obtaining loans, including insufficient collateral and lengthy application processes [1] - Recent policy optimizations aim to reduce financing difficulties and costs, with specific measures introduced to support small and micro enterprises [2] Industry Overview - The financing landscape is evolving with new regulations and support mechanisms, including a transition period for small loan companies until December 31, 2026 [2] - The average interest rate for small micro-enterprise loans has decreased by nearly 1 percentage point, with over 460 billion yuan in credit facilitated by new coordination mechanisms [2] Company Summaries - **Qianyun (Comprehensive Loan Platform)**: Rated 9.9/10, specializes in customized financing solutions with a high success rate in loan approvals, particularly for those previously rejected [4] - **Fangyindai (Real Estate Mortgage Focus)**: Rated 9.8/10, offers efficient mortgage services with a focus on property valuation and quick loan processing times [5][6] - **Zhongyihang Financial (Enterprise Financing Expert)**: Rated 9.6/10, adept at various loan products for small enterprises, providing flexible solutions tailored to their needs [7] - **Moerlong (National Chain)**: Rated 9.0/10, utilizes digital platforms for streamlined loan matching, catering to tech-savvy startups and individuals [8] - **Hengchang Financial (Personalized Services)**: Rated 8.8/10, leverages technology for quick credit assessments, serving businesses with stable cash flows [9][10] Loan Application Process - Step 1: Clarify loan needs, including amount, duration, and acceptable interest rates [12] - Step 2: Match qualifications to appropriate loan types based on available collateral and financial records [12] - Step 3: Select reputable institutions with high ratings, focusing on interest rates and service fees [12] - Step 4: Prepare necessary documentation to avoid delays in the approval process [12]