The money market in Croatia can still be described as traditional. This claim is based on the data that entrepreneurs are mainly financed through bank loans and rely heavily on the state, i.e. incentive programs and subsidies provided by the Government of the Republic of Croatia. Also, the entrepreneurial environment in Croatia is traditional; it is an "entrepreneurial ecosystem" lacking the entrepreneurial education as well as the transfer of the results of the research into the SME (small and medium-sized enterprises) sector. Since Croatia's accession to the European Union in 2013, entrepreneurs have been given the option of using the EU Structural Funds which by 2017 were extremely poorly absorbed. Although an improvement is visible, Croatia is still at the bottom according to the percentage of possible use of the EU funds. Small and medium-sized enterprises, employing fewer than 250 people, make up 99.7 percent of the total number of companies in Croatia, which is close to the European average, so it can be said that SMEs in Europe are the main drivers of the economic growth, innovation, employment and social integration. However, small and medium entrepreneurship is most strongly exposed to changes in the economy and most affected by possible crises. Small and medium entrepreneurship in Croatia has its roots in crafts and manufactures in which the business was run by the family members and performed in a traditional way - without investing in research and development. As the result, the companies become outdated after the first generation of entrepreneurs retire, and usually die out during the second generation's management. In Croatia there is no central place where entrepreneurs could find out the exact numbers of the approved tenders and of the amount of money withdrawn from the EU funds. The large number of consultancies providing the assistance in applying for the EU funding also give the impression that it is a complicated procedure, thus discouraging potential applicants. On the other hand, on the "EU Fund Market" emerge commercial banks that mediate between potential applicants and consultants, and offer loans by which the applicants can cover the costs of applying for a tender or overcome the period between application and the withdrawal of money.