The objective of this article is an assessment of
SMEs’ support policy in the management of repayable financing
at the regional, national and international level. To achieve
the assumed goals, the analysis of issues pointed in the
article was based on non-reactive research. This analysis considered
the data from the normative acts, statistics but also
reports and analyzes published by the business institutions
such as The National Association of Guarantee Funds or Polish
Union of Loan Funds.
After the study of the presented issues had been carried out,
it turned out that current practices formulated in the area of
funding programs should be verified. It seems that the most
significant problem of financial areas in the EU in 2007-2013
is an excessive number of available funding programs and too
big fragmentation of public institutions offering such support
to SMEs. It has to be also highlighted that aforementioned factors
of the institutional system of SMEs financing may have
a smaller potential than they should.