Wioletta Czemiel-Grzybowska
pages: 21-27, JEL classification: I230, J240, M130, R510, Key words: enterprise, finance, business, small-medium Sized Enterprise, Abstract: Small enterprises are a key source of employment, economic growth, innovation and productivity in advanced as well as emerging economies and as such they are a crucial sector of an economy. Access to financing plays an important role for the small enterprise sector in any economy. Based on previous empirical studies, it is known that small enterprises tend to suffer from limited access to financial resources across the globe. This study aims to investigate the current state of small enterprise financing although the data within the Polish context appears to be limited. While not every small enterprise has an opportunity to grow at a fast pace and turn into a much bigger entity, most owner-managers are concerned about financing their business, in order to sustain their business operations. The reality is that every business can experience some sort of financial trouble. Small enterprises are the ones that require more attention as they constitute a vital part of the Polish economy, their survival rate can have a significant impact on the economy. As such, analysis of small enterprise financing is called for due to the high vulnerability of these businesses.