Abstract: Abstract：Although the existing research examines the impact of business models, team characteristics and social network on the financing availability of startup enterprises, the theoretical findings have many contradictions. This study changes the analysis paradigm of the influence of single variables on the results, introduces the configuration perspective, and uses the qualitative comparative analysis based on configuration thinking to systematically examine the impact of configurations of business model innovation, team member diversity and relationship strength on financing availability of startup enterprises. The study found that there are four configurations to improve the financing availability of startup enterprises. Specifically, the startup enterprises can enhance their credit financing availability through the configurations of “high education diversity-novelty business model innovation-strong ties” and “high-function diversity-efficiency business model innovation”. The configurations of “high functional diversity-efficient business model innovation-weak relationship” configuration and “high function diversity- high education diversity -novelty business model innovation -weak ties” enhances the equity financing availability of startup enterprises. This paper builds a configuration model for the research of the financing availability of startup enterprises. Especially, different from previous studies focusing on social network, this study introduction a micro-behavior perspective of the interaction between the team member diversity and the business model. Eliminate the paradox of existing research and provide strategic implication for the financing decision-making of startup enterprises.