If you're an SME owner, it's likely you've been denied access to finance.
You're either too risky for a loan. Too small to deal with. Or you just didn't get accepted and you don't really know why.
On the occasion that you are accepted you'll feel like you just sold your soul.
In return for your soul you got stuck with a poor deal with high interest and short payment terms.
How are you supposed to grow your fledgling business under these conditions?