Microenterprises and small enterprises make up the vast majority of companies in Croatia, and the country's economy depends on their success. In order for micro and small entrepreneurs to have sustainable growth and development, a key condition is internal and external financial support, i.e. capital that companies can collect from various sources. The aim of this paper was to review the ways of financing microenterprises and small businesses in the Republic of Croatia. By studying various secondary literature, the paper came to the conclusion that one source dominated - banks and their loans. In addition to banks, all traditional sources of financing (leasing, loans) are widely represented, and in developed countries, modern sources of financing such as venture capital funds, business angels and joint financing are increasingly used. The overall conclusion is that the state of access to finance has improved over the years, but Croatia still lags behind developed countries. Further development of microenterprises and small enterprises requires the help of the state, as well as financial institutions. In the paper, research was conducted on sources of funding for startup companies in the Republic of Croatia.