The financial sectors of the Western Balkans are characterized by low penetration and limited intermediation. Only a few financial intermediaries seek out small businesses customers, and conservative collateral requirements and cumbersome credit procedures further limit small and medium-sized enterprises’ (SMEs) access to finance. The EBRD has established an SME Finance Facility to support Western Balkans countries in the transition to a market economy by strengthening the financial system and by increasing SMEs’ access to finance via the banking system, thereby enabling the SMEs to increase production and employment. DAI works with Metals Banka to incorporate high-quality lending as an integral part of its ongoing business activities.