Abstract
In this article, we have considered the main aspects of credit relations between secondtier banks in Kazakhstan and small businesses. The current state of small business lending inKazakhstan was analyzed. The role and importance of the state in supporting small business atthe present stage is determined. The main state programs to support small business, their roleand contribution to the development of small business are considered. The significance of therole of state support in the formation and development of small businesses is established. Themain directions of state financing are analyzed on the example of JSC «Damu EntrepreneurshipFund». The experience of implementing a small business support program in Kazakhstan in sucha direction as women’s entrepreneurship was studied. The main problem areas in the developmentof small business are identified. The author’s recommendations on improving the relationshipbetween banks, small businesses, and the state are offered.