Many smes are considered by banks “Sectorsunfit forcredit “ , these play a key role in the economic development of the country but have to rely on bank loans, micro entrepreneur and banks must seek new financing alternatives other than the traditional. Colombia is in default of its financial regulatory change to allow access to a cheaper source of finance, such as capital markets and even think of creating an alternative stock market for smes. Organizations such as the World Bank, the Cepal, the Fundes and many more deal with the issue, the reality is that other countries outperform us with methods aimed at the micro financing as leasing, renting, Factoring, Confirming and Mutual Guarantee Societies (MGS) and their products such as Aval, check deferred, backed by the Buenos Aires stock exchange or Irrigation Companies (SCR). This article considers the entrepreneur must know these and other funding arrangements that apply in the world.