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In recent years, SMEs have faced serious difficulties in obtaining loans to implement business ideas. From 2018 onwards new financial products with the help of the European Central Bank and the European Funds are making their appearance in the financial field while alternative sources of finance are starting to be strengthened and in combination deliver an optimistic message by changing the psychology of the business world. This paper presents the financial tools that are diversified, enhanced and alternatively through banking system are offered to small and medium-sized enterprises, in order to overcome difficulties and to upgrade them to another level of competitiveness. Nowadays, information evolution is fast-paced and the Greek-owned small and medium-sized enterprise with facilitations of banking system is called to play a leading role in supporting the backbone of the economy. The small and medium-sized enterprises that survived the crisis in Greece are now distinguished for their introspection and low potential of competitiveness and innovation. In a transformation effort, they are investigating whether they recognize alternative funding sources and their easier access to the banking system. Banks are timidly recapturing businesses and targeting small and medium-sized businesses. The tools they offer to attract are specifically designed to support small and medium-sized businesses and either they have preferential interest rates, low collaterals, or specially designed grants. Small and medium-sized businesses are always interested in funding in order to support their imports or achieve better prices from suppliers. Only few, however, have significant investment plans for upgrading machinery, investing in innovation or installations. Most of them are familiar with some of the alternative financial tools while only about half have used them. It is impressive that a large percentage of the entrepreneurs intend to opt for the classic lending products even though they do not want much dependence on the banking system.