For the development of the Moldova sector of small and medium-sized enterprises is particularly important. In Moldova, they make up a significant share in the total number of economic agents, which provide employment for the workforce and a modest level of income, as well as the market is saturated with products and participate in the formation of Gross Domestic Product. In the case of financing small and medium enterprises have to solve problems such as lack of funds raised for the development of the enterprise, the complexity lending to new and growing small and medium-sized enterprises in the absence of adequate collateral, the specific applicable legislation, infringe the interests of the banks at the stage of implementation of the rights to the collateral for non-repayment of funds , stringency conditions using financing under the credit lines offered by foreign donors, etc.