Group 1 - High debt burdens make it challenging for companies to secure new financing, leading to cash flow issues and operational difficulties [2] - Companies in Wuhan are encouraged to seek professional teams to restructure their debt and alleviate financial pressure [2] - Optimizing credit records is essential for easier loan access, with strategies including timely repayments and regular credit report checks [4][5] Group 2 - Key steps for improving credit scores include timely bill payments, checking credit reports for errors, and providing proof of repayment ability [5] - Companies should adopt a step-by-step financing approach, known as stair-step financing, to manage debt more effectively and reduce overall interest costs, potentially by up to 23.6% [7] - Various financing channels are available in Wuhan, including low-interest bank loans and flexible leasing options, which can help companies avoid hidden pitfalls [8]