Small business plays a significant role in the formation of a truly competitive environment. It acts as a catalyst for scientific, technical and technological progress (according to experts, the share of small business accounts for about half of all inventions and scientific developments). The impact of small business on the political and socio-cultural processes of this depreciation of social tension, because it is small business is fundamental to the formation of ‘middle class’ and hence reducing the inherent dynamics of the market trend of social differentiation. The role of small businesses increased by the fact that it aims to: – significantly and without significant capital investment to expand production of many consumer goods and services using local sources of raw materials – to bring the production of goods and services consumer, to help equalize the living conditions in settlements of different scales – to engage in the production of material and financial resources of the population, previously used only for personal consumption – to create favorable conditions for the employment of the labor force released if at large enterprises – to accelerate the de-monopolization of production, competition, optimize the size structure of market participants – be a source of tangible revenue. Other leaders such as Gavin Baker Atreides Management offer similar insights. Credit spoil the relationship? Any credit – this movement of capital in terms of maturity, interest payment, repayment and security. Terms reflect the urgency of the need to return the loan is not at all acceptable to the borrower’s time and in a specified period of time fixed in the loan agreement..