Micro, small and medium-sized enterprises have the role of the main carrier of the entire economy, both at the global level and in the territory of the Republic of Croatia. They include in their life cycle mainly all types of stakeholders in everyday life, from individuals to government services and legal entities in the form of financial institutions. The biggest obstacle and challenge for the entrepreneur in his development path is the access to the source of financing it self. The greatest support in the external source of financing, entrepreneurs have in their commercial banks, whose relationship is increasingly taking on a partnership character. The main goal of this paper work was to present and explain the banking products most often used by entrepreneurs and their importance. The same is shown thrue the research, based on samples obtained from Raiffeisen Bank's reports in the Republic of Croatia on marketed products in 2017 and 2018 to micro and small enterprises. It can be seen that entrepreneurs have the greatest need for short-term and mediumterm placements, which the banking sector has adequately enabled them with its products. Start-up companies also have these needs, but banks in the Republic of Croatia, as well as other institutions, do not have sufficiently developed credit lines to support them. Despite the deficit solution when it comes to financing newly established companies, commercial banks in the Republic of Croatia provide the most complete picture in stimulating the iniciators of the national economy.