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How to Access Trade Finance

A Guide for Exporting SMEs

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This guide helps small exporters understand how to obtain finance, outlining the credit process of financial institutions, pre-application preparation, finding appropriate lenders and loan repayment. Models for business plans and loan requests are included. The guide also examines barriers to finance for small firms, and what financial institutions perceive as lending risks.

English French, Spanish

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Overview of SME finance

Increasing access to finance by SMEs is important because SMEs are the engine of economic development, they constitute the majority of business enterprises, and they are vital for employment generation and poverty alleviation. However, financial constraints – high cost and lack of access to finance – impede SME growth. Indeed, these problems rank top among perceived obstacles by SMEs in surveys across the globe. Without sufficient capital SMEs are unable to develop and take advantage of business opportunities.

English Spanish, French

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