Abstract
Small and medium sized enterprises are a major part of the total companies in the EU, they represent about 99% of all business in EU. The COVID-19 affected all economies, all companies in all aspects, but one of the major problems of a business are the liquidities. The European Union established a set of directions and programs to help the private companies with solutions to increase the liquidities, but for those companies which are not eligible for those programs, factoring and leasing can be the remedy for the lack of cash, beside the traditional loan.

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