Small and medium business encounter a variety of types and problems related to the size of the firm. Often there is a decline in business, which basically is largely the result of bad planning and lack of resources for new investments and innovation. The worsening of financing is the biggest barrier to the growth and development of small and medium-sized firms. In the early stages of growth, most small firms rely on their own funding sources. So it is most difficult to provide funds to finance operations in the early stages of growth. At this stage it is necessary to provide initial capital for financing. If the producers of agricultural products, especially small and medium-sized wine and brandy companies lack financial resources for realization of the production activities, with the help of marketing, creative solutions can be found that will bring the development of production by reaching alternative solutions like funds through banks for development of agricultural production, commercial banks and other financial institutions. This paper will explain all the issues for financing and possible solutions which owners of SMEs for wine production in R. N. Macedonia can face.