In the traditional single-chain supply chain literature research, it is assumed that enterprises in the supply chain system have enough working capital. However, in practical management practice, enterprises are often faced with capital shortage, poor operation, and other related risks. In this paper, the price strategy of competitive supply chain based on bank financing is studied when many retailers are short of funds in the competitive environment. It is found that once the market share among retailers is fixed, the wholesale price of suppliers and the selling price of retailers will gradually increase with the increase of competition intensity, regardless of whether the retailer has financial constraints or not. The greater the competition intensity among retailers is, the better the expected profit of each member of the supply chain and the system will be. Finally, with the help of numerical analysis, the validity of the conclusion is depicted and verified. The relevant conclusions enrich and develop the financing theory of competitive supply chain, providing a strong practical reference value for the fund risk management of supply chain enterprises in the competitive environment.