Challenges to SMEs–To my mind – there are four principle issues which— either singly or in league with each other— cause problems to SMEs. They are [a] getting timely & adequate finance from Banks [b] getting desired profits [c] getting timely realization of bills [d] failure to avoid liquidity trap—Result is—disturbed relationship with Banks. and its consequent undesirable effects. We can [rather we must] avoid it. This website tries to help you with the steps. Finally, I would be happy if you refer to information given in contact so as to enable you to understand the focus that I have in mind.