Usually, loaning is one way to resolve the capital constraining problem of modern business enterprise. In this paper，we use bank loaning to solve capital-constrained newsvendor(CCNV) problem, and suppose to pay a certain additional cost (attrition cost) re-financing to pay off the bank capital and interest when the newsvendor’s revenue is not enough, and also research the bank charging an interest rate according to the newsvendor’s loaning. We prove that the re-financing attrition coefficient increase more the newsvendor ordering quantity reduce sharper and the expectation profits become less, so cutting the attrition cost is meaningful to increase the newsvendor ordering quantity and the expectation profits. Furthermore, we give the newsvendor and bank cooperating loan schedules，and point out that the cooperating loan schedules can increase the newsvendor ordering quantity in favor of the developing of society. Finally, we numerically investigate the influence of each factor to our problem via an example.