• إن ارتفاع التكاليف الإدارية وتكاليف المعاملات الخاصة بإقراض أو استثمار مبالغ صغيرة لا يجعل من تمويل المشاريع الصغيرة والمتوسطة الحجم نشاطاً مربحاً.
SMEs are regarded by creditors and investors as high-risk borrowers because of insufficient assets and low capitalization, vulnerability to market fluctuations and high mortality rates; Information asymmetry arising from SMEs' lack of accounting records, and inadequate financial statements or business plans, makes it difficult for creditors and investors to assess the creditworthiness of potential SME proposals; High administrative/transaction costs of lending or investing small amounts do not make SME financing a profitable business.