Financing SMEs usually depends on its area of operation and its development phase. Therefore, SMEs have a financial development phase in which financial requirements and options transform as the business develops and grows to be more crystal clear. Since informal or internal sources of financing is unstructured and have limited rage, hence this study needs to focus on external or structured sources of financing SMEs. In the case of EU courtiers, for illustration, there is a strapping dependence on one specific source of external or formal finance, in the forms of bank loans, might potentially be more unfavorably influenced through recurring changes in the delivering of finance than one in the case of which there is a more expanded combination of sources of financing. The design of the utilizing of diverse sorts of external sources of SME finance in the EU is demonstrated in Figure 2. This becomes quite clear from Figure 2 that the main sources of SME finance in EU countries are bank loans and leasing.
中小企业融资通常取决于其经营领域及其发展阶段。因此，中小企业的金融需求和选择的金融发展阶段转化为企业的发展壮大更清晰。从非正式的或内部的资金来源是非结构化的，有限的愤怒，因此本文的研究需要把重点放在外部或结构化的中小企业融资来源。在欧盟国家，这个案例说明，在外部或正规金融的一个特定的源一个魁梧的依赖，在银行贷款的形式，有可能是更不利的影响通过提供财政经常性的变化，比一个在其中有一个更扩展相结合的融资来源。对各种不同的欧盟中小企业融资的外部资源利用的设计如图2中所示。这是相当清楚的图2，在欧盟国家的中小企业融资的主要来源是银行贷款和租赁。
