Time goes back to the fact that small and medium-sized private enterprises occupy an important position in the society. According to the data of China Statistical Yearbook, it can be found that the proportion of small and medium-sized private enterprises in the enterprises registered by the processing industry has exceeded 90%. At the same time, the final value created by the products and services provided by small and medium-sized private enterprises also accounts for the GDP. At the same time, small and medium-sized private enterprises also play an important role in the contribution to GDP. However, due to the influence and restriction of a series of factors in the process of their own development, small and medium-sized private enterprises are facing a huge financial threat, and the most critical factor is the financing difficulty of small and medium-sized private enterprises. On the one hand, the financing difficulty of small and medium-sized private enterprises will lead to great interference in the overall scale of enterprises, on the other hand, it will even make small and medium-sized private enterprises unable to achieve sustainable operation and development to a certain extent, which will bring great negative impact on the sustainable progress of China's economy and society.
The main meaning of industrial cluster is to effectively use some industrial elements and the rational allocation of social market resources to explore the internal law of industrial development. The reason is that on the one hand, industrial cluster can better improve the overall level of regional competition, on the other hand, it will also bring about an efficient social cooperative development system. At present, the number of small and medium-sized private enterprises in China accounts for more than nine tenths of the total number of enterprises, which represents the direction of China's economic development. At the same time, industrial clusters are mainly some small and medium-sized private enterprises. Effectively promoting the development of industrial clusters can better promote the sound operation of small and medium-sized private enterprises, so as to a certain extent, the social employment rate and guarantee the steady development of society. On the other hand, it can fundamentally promote the strength of China's diversified economic development. However, in the process of the development of small and medium-sized private enterprises, there are some constraints that can not be ignored, that is, the financial difficulties that small and medium-sized private enterprises generally face, that is, the financing problem. Therefore, based on the industrial cluster, this paper studies the financing of small and medium-sized private enterprises in order to get out of the financial dilemma.