Abstract
There is nothing new in the concept that small and medium-sized enterprises (SMEs) are the backbone of every economy, especially in developing countries. While being one of the main contributors to employment and providing sufficient share in GDP and trade balance, SMEs are highly dependent upon macroeconomic conditions. They represent the most vulnerable part of the business environment, although the most adaptive. Thus, financing of SMEs relies on specific factors that can sufficiently improve bank readiness for providing needed resources.
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