SMEs financing is a difficult problem in the world, and it is more difficult in China. The highlight of our paper is that it offers a route which could settle the difficult problem but loan on credit. There are three platforms which can effectively settle SMEs financing difficulty with warehouse receipt. Platform 1 is a warehouse receipt management platform which manages SMEs movable property. Platform 2 is a P2P platform, or warehouse receipt financing platform. Platform 3 is a transaction platform of warehouse receipt. Future works have been put in the end.