Abstract. The purpose of the article is to determine the role and functions of small and medium-sized lending in the social-digital economy, to reveal the possibilities of modern lending in this economy, to outline new directions for optimizing credit relations in the context of world experience. The following research methods are used in the scientific article: induction, deduction, synthesis, comparison, graphic, modeling. The scientific bases of the role of small and medium crediting in the social and digital economy are considered. The main types of lending offered to enterprises on the market in the direction of using digital economy technologies are identified. An analysis of the role of lending for the development of IT technologies and the digital economy as a whole. Proposals and ways to increase technological innovations that can be used in production processes, increase productivity and competitiveness are proposed. The volumes of small and medium credits of IT business for the development of new production technologies and activities in general are analyzed. The influence of digital economy development and attraction of innovations in the activity of enterprises on the general level of the country’s GDP is determined. The foreign experience of attracting potential entrepreneurs in the field of IT technologies, their credit and tax benefits and privileges are studied. The Government of Ukraine is increasingly working to support digitization programs, startups, which provide for the attraction of innovations in the field of information technology, in addition, work is planned to attract loans for the development of enterprises with minimum rates. It is worth emphasizing the need to develop the digital economy in Ukraine, which will stimulate GDP growth in general and increase the level of competitiveness of domestic enterprises in the world market. In recent years, companies are transforming their own business models and building areas of work in such a way as to attract new information technology and automation. This saves time to perform a certain production process or provide a service, increases the level of productivity and the number of fi nished products, in addition, in most cases, the moment of “human error” is canceled. Keywords: lending, credit activity, financing, digitization, globalization, innovation, transformation.