The main goal of the project 3C4SME is the study of innovative approaches to credit access and their implementation in the involved territories; another objective is the creation of regulatory prerequisites enabling local public systems to transfer the new ways of accessing credit. To achieve these results, the project will verify the conditions to provide the Albanians and Montenegrin small and medium enterprises with a “cooperatives guarantee system”, a financial instrument that in Apulia and Molise has been facilitating the access of enterprises to bank funding, both for growth and management objectives.