Access to Microfinance for Small and Medium-sized Enterprises
The lack of access to credit and financial exclusion can be a serious obstacle to business creation in many European regions. Microfinancing of SMEs and support to social entrepreneurship is an already tested and proven tool which can contribute to a high level of quality and sustainable employment, reducing disparities and poverty; and thus contributing to the realization of the « Inclusive growth » priority of the Europe 2020 strategy. There is a wide variety of microfinance programs across Europe, however, there are significant differences in how these microfinance initiatives reach their target groups. 
 Therefore, the “ATM for SMEs” project is aiming at improving the access to microfinance in the participating regions by sharing and exchanging the local knowledge on innovative solutions. The "ATM for SME"s consortium is lead by Fejér Enterprise Agency (HU), and is characterized by a balanced proportion of managing authorities and microfinance institutions, and a European-level advisory partner.
The intensive interregional policy exchange and learning process, planned in the framework of the project, allows the gathering of evidence on the feasibility of these good practices, and capitalising on the experience accumulated in the participating regions. 
The 9 regional partners will prepare 9 action plans in order to integrate and deploy good practices learnt from interregional cooperation within the identified regional or national policies. The influence of the project can be demonstrated by the generation of new projects – tackling at enterprise development or improving the access to local microfinance programs – and improved management of the policy instruments by adopting new approaches in the way calls are organized and assessment methodologies are developed . The project indicators show that the successful implementation of the project will influence 626 million EUR of Structural Funds related policies and 0,6 million EUR of other policies.