In many European countries smaller and regional bank lenders provide a higher share of SME lending than their larger peers. However, as many of these institutions now are deleveraging faster than their larger peers, their customers have struggled to find credit. In addition to these changes, rapid restructuring of entire banking sectors has left fewer players in the market, so in some member states the ability of SMEs to acquire financing became weaker. In order to meet the capital requirements and heal their balance sheets, some banks have introduced pricing caps and will not serve customers whose risk pricing falls outside those caps. Taking into account the fact that 85% of loans for businesses still come from banks, there is an urgent need to find a balance between a sustainable financial sector and meeting the financial requirements of businesses.