The subject of this paper are family businesses that are the engine of the Croatian economy. Family businesses with their way of doing business have many advantages, but there are also specific problems, such as finding the right balance between family and bus iness relationships, their loyalty and commitment to the family, determining the autonomy of family members in work, dedication to the family's prosperity of the company, and the integration of members who are not members families to appropriate positions. In terms of sustainability and the transfer of business, the future will bring various challenges to family businesses. Small family businesses are an important part of the national economy, making up a large share of registered businesses, with great emp loyment potential and a large share of new value created. In order for these companies to operate as successfully as possible, i.e. to ensure their survival and development, they must have or dispose of sufficient financial resources. That is why it is nec essary to ensure transparent and efficient access to financial resources, which are an essential component in the entrepreneurial environment, so that small family businesses can secure a certain competitive advantage because they can get financing faster, easier and cheaper.