Access to finance, as we well know, is a problem that most SMEs face during their development. The European COSME programme is designed to facilitate access to finance at all stages of business development, from start-up to expansion. Therefore, we seek to provide SMEs through the COSME program, with greater financing, together with the extension of deadlines and simplification of bureaucratic conditions, which create certain complexities in the eyes of people who are not experts in bureaucratic issues, making adherence to the program as a simple, clear and understandable accession.