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AC4SME is a large scale European project implemented by Chambers of Commerce & Industry (hereafter ‘Chambers’ or CCIs) in 12 Erasmus+ countries (AT, BE, BG, CY, CZ, ES, FR, IT, LV, RO, RS, TR) and under the coordination of EUROCHAMBRES, the association of European Chambers of Commerce & Industry. It is a response to the observation that small and medium sized enterprises (SMEs) are less likely to ...

Bank financing will become more difficult for SMEs in the future because of Basel II. SMEs usually have very small accounting departments and often they have no accounting department at all. The entrepreneurs themselves may lack financial administrative skills to manage financial risks and they are involved in day-to-day business matters that the documents required by the bank are often neglected. ...