U ovom radu ukazuje se na vaţnost i znaĉaj malih i srednjih poduzeća u ukupnom gospodarstvu Hrvatske kao i na (ne)mogućnosti pribavljanja financijskih sredstava od razliĉitih izvora za financiranje razliĉitih faza ţivotnog vijeka takvih poduzeća. S obzirom da mala i srednja poduzeća ima veoma znaĉajan udio u zaposlenosti, izvozu te prihodima u gospodarstvu Hrvatske, vaţno je poticati njihov razvoj i stvarati dobro poduzetniĉko ozraĉje u cilju što većeg broja novootvorenih poduzeća, koja će zapošljavati što više ljudi i generirati što veće prihode.This paper highlights the importance and importance of small and medium-sized enterprises in the overall Croatian economy, as well as the (in) ability to obtain funding from different sources to finance different stages of the life cycle of such enterprises. Given that SMEs have a very significant share in employment, exports and income in the Croatian economy, it is important to foster their development and create a good entrepreneurial climate in order to create as many new businesses as possible, which will employ as many people as possible and generate as much income as possible
