Problems of credit business. It's no secret that the development of small and medium businesses in our country has many negative points. Direct impact on the success of business processes provides the level of Ukrainian credit. Credit - the basis on which and through which is successfully developing small and medium businesses. For most banks' lending to small and medium businesses - one of the main areas of activity. However, to receive credit in any banking institution for the business to become increasingly difficult. Mortgage brokers say the reasons for this very specific facts. First, the main factor slowing down the process of reviewing applications for credit, very often not a responsible approach to the process of preparation of borrowers to credit. Everyone wants to take credit "now" but few to achieve this is making the necessary effort. Therefore, borrowers sometimes so difficult to obtain the necessary scrip time. Lack of trust between the bank employees and customers - the next factor, which directly affect the bank's credit decision. Employers often refuse to call the true scope of its activities and the more revenue, and how this information is necessary for the employee of the bank granting the loan to a borrower, a customer's behavior endangers his fruitful collaboration with the bank. If a banker believes that the client was not candid with him or said is not quite the truth, it gives him reason to think about the riskiness of a loan to such lack of candor to the client. According to the same borrowers - regular customers of banks or those who only intend to take the credit, get a loan for business in the bank today is more complex than ever before. According to them, faster and easier to take the necessary amount somewhere "on the side", rather than credited to the bank. But it should be noted that to address the duration of the loan each year there are more and more new companies that provide credit services. Monitoring of the market, find the best credit terms for a particular client, preparing all necessary documents for the loan, loan application preparation and promotion of it at all stages of review and many other companies now offer to "make life easier" borrowers. With that, customers of credit institutions can not only life of entrepreneurs. Lending to individuals and to provide all assistance in this process - just one of the main activities of these credit card companies. In summary, can be further noted that all the necessary measures to address the current problems of lending to small and medium businesses. The emergence of the modern market of companies providing all kinds of credit services and offering customer support in all phases of lending, direct proof of that.