The financing needs of e-commerce small and micro enterprises is characterized by short period, small amount, high frequency, time urgency and so on. Therefore, it is an urgent need to establish a financing service model which is suitable for its characteristics. But the current mainstream research is standing on the perspective of financial institutions to provide benefits for the financing of Small and micro businesses under Internet+, or to talk about Internet banking to alleviate the Small and micro businesses financing role etc.This paper takes e-commerce small and micro enterprises as the research object, and SWOT analyzes on its financing by using internet finance, based on the promotion of internet+ to its financing. Finally, in order to effectively support and meet the enterprise funding needs, and promote its sustainable development, this paper puts forward relevant suggestions in three aspects, from policy makers (government), capital providers (business platform, financial institutions, etc.), funds demanders e-commerce small and micro enterprises)