The difficulties of SMEs. micro-companies, and entrepreneurs in accessing financing and simplifying their financial management lead to the appearance of “the financially excluded”. SMART FINANCE proposes as a solution the first transnational platform for access to and administration of financing, which will also be the first smart financial ecosystem (based on information and communication technologies). The platform will bring together all the key players of financing so as to offer the companies financing alternatives, personalised advice, accompaniment, and training.