In dramatic increase in prices and sales volumes of hydrocarbons, billions of loans that receive at banks around the world our raw materials companies, the financing of small and medium-sized enterprises make their first, tentative steps. Yet it is precisely this market segment could be very promising both for banks and for borrowers to changes in market conditions for the non-renewable natural resources. On the possibility of such a (rezkogo!) changes from year to year, says the Government for any bank in the main lending to small and medium-sized businesses – the transparency of small companies. The "whiter" reporting company, the lower the risks for banks and the they are more willing to lend to those who lead a "civilized" business. As in the conduct of "civilized" business these days the entrepreneur negotiates with the tax and other "funds and fondikami" – This is a great mystery there. But banks to give credit, need full transparency of the business. Most banks offer several types of credit products for small and medium-sized businesses: they are all characterized by typical loan amount, timing consideration, collateral (which may be optional) and ways to assess bank risk (scoring system or the individual approach). If the bank is not specifically involved in lending to small and medium-sized businesses in the "The bank's portfolio of loans to small businesses are usually about 17%. A decision on a loan taken for three to four days. In this scoring assessment only applies to small loans (up to 3-4 million rubles).