Small, medium, and micro enterprises serve as the "capillaries" of the national economy and the main force behind stabilizing employment, safeguarding livelihoods, and driving development. As a specialized platform under FEHORIZON dedicated to financial leasing for small, medium, and micro enterprises, FEHORIZON Inclusive Finance leverages precise demand insights, a flexible product portfolio, and professional service capabilities to inject strong financial momentum into the growth of these enterprises, setting an exemplary model for financial empowerment of the private real economy.

On the occasion of "International Micro, Small, and Medium Enterprises Day" on June 27, FEHORIZON has launched a series of inclusive finance stories, focusing on innovative practices in inclusive finance. These stories present vivid service cases of providing "lifeblood and oxygen" to countless small, medium, and micro enterprises, illustrating the vibrant picture of how financial "living water" energizes the real economy.

01 Flexible and Efficient: Precisely Addressing the Pain Points of Small, Medium, and Micro Enterprises

Financing for small, medium, and micro enterprises is generally characterized by short cycles, high frequency, and urgency. Stable and efficient financial support is a critical pillar for their survival, growth, and iterative upgrading. With core strengths including ample credit lines, streamlined procedures, efficient review processes, and rapid fund disbursement, FEHORIZON Inclusive Finance precisely addresses diverse scenarios such as equipment procurement, capacity upgrades, R&D investment, and working capital replenishment. It tailors adaptive financing solutions to accompany enterprises through their growth cycles. To date, FEHORIZON Inclusive Finance has provided over RMB 100 billion in funding support to more than 40,000 small, medium, and micro enterprises, establishing itself as a trusted long-term partner on their growth journey.

Case 1: Revitalizing Existing Equipment to Rapidly Ease Cash Flow Pressures

Factory upgrades and expansion construction often tie up significant working capital, and delayed payments can easily lead to short-term liquidity strains. A machining enterprise in Suzhou found itself in such a predicament: new plant construction and renovation had already strained its finances, compounded by delayed downstream project payments. The company urgently needed funds to settle supplier payments, facing a critical liquidity shortage.

A client manager from FEHORIZON Inclusive Finance quickly visited the site and customized a financing solution of RMB 2.5 million. After the project was approved, the client signed the agreement that evening, and the funds were disbursed the next day, swiftly resolving the company's urgent financial needs.

02 Regional Deepening: Continuously Improving Financial Service Accessibility

Small, medium, and micro enterprises are large in number and widely dispersed. Those in remote areas and county-level regions often face challenges such as limited financial resources and narrow financing channels. FEHORIZON Inclusive Finance is firmly committed to its "regional deepening" strategy, continuously optimizing its business footprint and extending service reach to ensure that financial "living water" is precisely channeled into underserved markets. To date, the company has established 8 business centers, over 60 business departments, and more than 110 offices across the country, with a service network covering over 170 cities. Through a localized operating model, it enables rapid response to local needs and precise delivery of financial services.

Case 2: Expanding Service Boundaries to Empower Specialized and Sophisticated SMEs in Their Transformation and Upgrading

Smart transformation is a key engine for specialized and sophisticated SMEs to improve quality and efficiency. However, the significant investment required for production line equipment often poses a heavy financial burden, becoming a real obstacle to upgrading. A food packaging SME in Inner Mongolia, recently launched a smart factory project and planned to fully upgrade its semi-automated production lines to fully intelligent ones. Yet, a substantial funding gap became a major bottleneck to the project's execution.

With the establishment of FEHORIZON Inclusive Finance's Hohhot business office, service reach extended to Hohhot, Baotou, and surrounding areas. Client managers went directly to the front line, precisely identifying and rapidly responding to the enterprise's needs, helping the client bridge a RMB 4 million funding gap and providing strong support for the smart factory construction. After the smart upgrade, the product yield rate increased to 99%, and products are now exported to over 40 countries and regions worldwide. The company has established long-term partnerships with well-known brands such as Yili, Mengniu, McDonald's, and Unilever, further boosting its competitiveness and scale.

03 Technology Empowerment: Building a Three-Dimensional Smart and Efficient Service System

Technology empowers finance; innovation serves the real economy. FEHORIZON Inclusive Finance continues to deepen its digital and intelligent transformation. Leveraging its smart risk control system, it accurately identifies risks and removes financing bottlenecks for enterprises. Through full-process online services, it continually enhances financing convenience, enabling small, medium, and micro enterprises to truly experience the speed and simplicity of smart financing.

Case 3: Racing Against Time to Disburse Funds, Helping an Enterprise Seize Market Opportunities in New Product R&D

Amid the rising trend of health-conscious consumption, low-sugar, light-health drinks have become a new market opportunity. A food and beverage enterprise in Wuhan planned to step up R&D for new herbal beverage products, but a funding gap became the biggest barrier to seizing the market opportunity.

Upon learning of the enterprise's urgent financing needs, the FEHORIZON Inclusive Finance team responded swiftly, activating a green financing channel. Accelerating the entire process of due diligence, approval, and disbursement in line with the enterprise's operating conditions, they achieved "same-day due diligence and same-day disbursement"—a speed that left the client pleasantly surprised. After the new product was launched, it received an enthusiastic market response and became a popular "healthy happy drink" among consumers, with monthly sales of a single product exceeding 360,000 bottles, successfully capturing a market opportunity.

Great things often grow from humble beginnings. Looking ahead, FEHORIZON Inclusive Finance will continue to uphold its original inclusive mission, deepen its work in inclusive finance, and leverage FEHORIZON's systemic strengths and deep resources to steadily improve the accessibility and convenience of financial services. It will channel a steady stream of financial "living water" to small, medium, and micro enterprises—serving the real economy with professional dedication and empowering industrial upgrading with a strong sense of responsibility, contributing its unique strength to high-quality economic and industrial development.