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In Morocco as elsewhere, SMEs are always considered as a mechanism of economic and social development, because of the characteristics of this population and the impacts it has on the value creation, reduction of the unemployment rate, minimization of social gaps, and the relief of the trade deficit through the satisfaction of local demand and exportations. However, Moroccan SMEs display numerous weaknesses, particularly in terms of access to finance, which limit their development, their resilience, and consequently their contribution to the country's development. This article aims, on the one hand, to provide critical analysis of the issue of financing for moroccan SMEs, through an analysis of the current situation of these companies, their weaknesses, and their contribution to the country's economic development. On the other hand, the article aims at carrying out a diagnosis of the various sources of financing which are used by the managers of these enterprises.