The aim of this paper was to analyze the funding opportunities, available to SMEs sector in Croatia. In achieving this aim, desk research was used for detecting all available funding options at this moment. Later, interview with credit officer was conducted in order to get more detailed insight into this problem. Results obtained from the analysis showed that the access to finance is severe problem, primarily due to lack of collateral owned by the small and medium-sized enterprises, and underdevelopment od the alternative forms of financing, but also that there are significant efforts, especially from the government, to solve this problem.