Just after the Spring Festival, many small and micro businesses have put store decoration and expansion, replenishment and purchase on the agenda, and rolled up their sleeves to prepare for the New Year. However, in the face of the wallet that has just been "hollowed out" during the Spring Festival, how to quickly solve the shortage of funds? To this end, the author specially connected UnionPay Commerce, a giant enterprise in the field of comprehensive payment and information services in China, which has rich experience in serving small and medium-sized businesses with "payment+"for 16 years. In recent years, a series of financing loans launched by its "Tiantianfu" financial service platform have provided more than 600 billion yuan of operating financing services for nearly one million businesses.

"When enterprises expand, renovate or open branches, it is inevitable to buy large items such as electrical appliances and furniture. It is suggested to purchase through financial leasing, which can avoid one-time large expenditure, reduce the occupation of its own funds and ease the financial pressure, "suggested the relevant person in charge of UnionPay business. It is reported that financial leasing is a newly launched financing product on the "Tiantianfu" platform. Merchants can apply for an interest-free lease quota on the "Tiantianfu" platform by virtue of the transaction flow of POS machines. With the interest-free lease quota, they can buy goods in their online rental mall, and they can own the goods after paying the rent according to the lease cycle of 6 months and 12 months, without paying extra handling fees and interest. At present, the commodity price of the leased mall is lower than that of other electronic malls, so it is very cost-effective to buy it by means of financial leasing.

For small and micro businesses that are in urgent need of supplementary funds, the POS loan products on Tiantianfu platform undoubtedly meet the characteristics of "small, frequent and urgent" capital demand: merchants can apply for loans quickly by using the running data of POS transactions without any mortgage guarantee, and support the whole process of online operation. They can apply for loans on the same day and pay interest on a daily basis, with a maximum amount of 6,543,800 yuan. In addition, merchants can also choose to apply for the "Tiantianfu" Everbright joint credit card and get a credit fund in advance in case of emergency. The credit line of up to 300,000 yuan is enough to cope with the urgent need caused by insufficient funds.