1. Credit schemes for start up companies (franchise lending or on the basis of the  business plan developed by the bank itself)
2. The provision of guarantees for loans in various forms;
3. Leasing loan;
4. Loan in the amount of 3 000 000 rubles up to 5 000 000 rubles, as there are borrowers who need large loans.

It is important to understand that some of these types of loans are issued when an organization has just start its activities or the entrepreneur's only going to open a business. But even the big banks do not consider it as they are afraid to take high risks. Therefore, in addition to the guarantees and ready business plans, the bank can provide services for the creating and development of a business plan based on customer preferences.

In addition, the efficiency of interaction between banks to SMEs can be improved by the following steps:

1. Consideration of both quantitative and qualitative factors in evaluating the creditworthiness of the borrower and  his business reputation;
2. Permanent collection of information from different sources about the activities of the customer;
3. The implementation of a mechanism which provides additional services, such as counseling, assistance in maintaining accounting records, personnel management and production, etc .from bank to the borrower;
4. And finally, the need to develop scoring models for SMEs for each economic sector separately that will be useful in our Russian reality, as well as the further development of securitization of bank loans for the given segment of business.

It should be noted that the main trend in 2013 was the implementation of credit-line or "credit factories". Through this implementation banks have significantly reduced the period of consideration of loan applications, but increased risks of lending, which led to higher interest rates. By 2015 banks slightly reduced pace of implementation of this type of lending. At the same time banks started to lend more to business owners as heads of the organizations. The consequences of this trend are unknown for the long period. We can just wait for the results and make right conclusions from all this.

Thus, in the Russia SME stands in the way of active and dynamic development. In some areas the experience of foreign countries is adopted. In the area of ​​interaction of credit institutions with small and medium sized businesses there has been significant progress: new technologies were implemented and existing loan products were optimized. Credit relations between banks and SMEs