Financing sme

Importance[ edit ] The economic and banking importance of the small and medium enterprise SME sector is well recognized in academic and policy literature. This section is in a list format that may be better presented using prose. You can help by converting this section to prose, if appropriate.

Financing sme

Whether you are a small and medium sized enterprise SMEa large company or a research institution, InnovFin can provide the right financing instrument for your research and innovation project. What financing products are available? Financing is either provided directly or via a financial intermediary, most usually a bank or a fund.

To read more about which InnovFin products are available and who can benefit from them, please click here. What are the objectives of InnovFin? InnovFin aims to facilitate and accelerate access to finance for innovative businesses and other innovative entities in Europe. In order to overcome these difficulties, the EU and the EIB Group have joined forces to provide finance for research and innovation to entities that may otherwise struggle to access financing.

The EU lags behind its global competitors in terms of both private and public investment in research and innovation.

Financing sme

That is why the EIB Group and the European Commission have made it a top priority to facilitate access to finance for innovative businesses in Europe. What is new about InnovFin? Under the programming period, the European Union and EIB Group have more than doubled their combined support for innovative firms in Europe.

In addition to more financing being made available, InnovFin also offers a greater product range.

Financing sme

InnovFin has been developed in such a way to provide a series of integrated and complementary financing tools. The InnovFin products are subject to regular updates to reflect market evolution.

BETC :: Training :: Short Courses:: SME Support :: Management Consultancy :: Financing Support

Since its launch ina dozen products have been tailored and made available to accommodate niche markets previously suffering from access to finance gaps and to reinforce the complementarity with the European Fund for Strategic Investments EFSI.

Innovators are changing our world - from small tech start-ups to large research facilities and circular economy companies.Do you know that most banks have a limitation on the maximum financing amount that they can grant to a SME?

This maximum small business loan funding amount differs from bank to bank and also depends on your company profile (its revenue, industry, cash flow etc.). This study attempts to provide some understanding about SMEs’ access to finance within the West African sub-region with particular interest in establishing whether there are similarities and/or differences in the determinants of SMEs access to finance across countries in SSA.

The motivation for this study is to add to the growing literature on what determines SMEs access to finance in SSA, in the following ways: first, in spite of Africa’s specificities regarding SME financing, not many studies have been undertaken to ascertain why SMEs within SSA are considered riskier to lend to and therefore more financially constrained.


Lack of access to financial services is a key barrier to the growth of micro, small, medium enterprises (MSMEs). IFC is working to develop solutions to close the MSME financing gap.

CAPITAL MATCH PEER-TO-PEER LOANS AND INVOICE FINANCING. P2P loans (peer-to-peer loans) and invoice financing facilities are a real alternative to bank loans for business or SME owners to borrow money, and investors can invest in such loans and invoice financing as an alternative to the financial products of the banks with attractive potential returns.

SME owners in Europe, when asked about the most important problems they faced, they mention access to finance first, ahead of issues such as ‘’taxation’’, lack of skill, access to public procurements, unfair competition, labour law, access to the single market and so forth (European Commission Report, ).

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