Small and medium-sized enterprises (SMEs) are crucial for Asia's economy, but they struggle to get affordable financing due to information gaps and high costs. This leads to banks asking for more collateral and charging higher interest rates, which slows down SME growth. Since most Asian countries rely on banks for funding, other options like capital markets are not feasible for SMEs. To help SMEs access finance more easily, solutions like creating credit information systems, using credit ratings, and establishing credit guarantee schemes are suggested.