In the current economic development of China, small and micro enterprises have made important contributions. Especially in promoting the further development of the local economy and providing employment posts, it has played a vital role. But as everyone knows, the market environment changes constantly, the competition is becoming increasingly fierce, small and micro businesses in this environment has difficult development. One of the most serious problems that restricts the development of small and micro enterprises is the financing of small and micro enterprises. The emergence of Internet Finance provides an effective way for the financing path of small and micro enterprises. This paper describes the Internet Finance and small micro enterprise financing mode and the related content of the Internet Finance and small micro enterprise financing mode innovation significance, and focuses on the Internet financial innovation strategy of small and micro enterprise financing model, hoping to provide some help for be small and micro businesses.