This paper looks at how banks in Colombia are providing financing to small and medium-sized businesses. The researchers studied data and interviewed banks and other relevant groups to understand the current situation. They found that banks are starting to see SME financing as an important part of their business. However, the way banks assess risk and manage loans to SMEs is still developing. There are some challenges in policies and institutions that could affect SME lending in the future, but they are not a problem yet. The researchers suggest some potential changes to policies to address these challenges before they become serious.