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This is a Spanish version. There are three main reasons for the chronic shortage of resources faced by many SMEs: financial expectations not adjusted to actual results; the tensions of growth; and poor financial management. In this article, the author explores the most common problems in these three areas and proposes strategies for dealing with them. Solutions might include developing more professional management systems or broadening the sources of financing. Although most SMEs go for conventional forms of financing, such as bank loans, non-traditional alternatives, such as crowdfunding and crowdlending, are increasingly becoming popular.