The role of the economic enterprises, especially the small economic enterprises has been improving in the recent years in Iran and, also in the industrialized and developing countries. Within the last two decades, by emergence of modern technologies in production and communications, some evolutions have been created in the capability of industrial enterprises, production, distribution methods and the organizational structure of the corporations that has generally enhanced the importance of the small and medium-sized enterprises. Today in most countries the small and medium-sized enterprises are role-playing from various social, industrial production and service – providing aspects, and in many countries, the early-yielding enterprises are the main providers of employment and the matrix of evolution, innovation and invention of new technologies and play an effective role in the economic development of their countries by considerable exports. Meanwhile, one of the biggest challenges of the owners of such industries, and perhaps their most important obstacle for launching their business is the shortage of financial resources for meeting the capital needs. Obtaining the needed funds for launching businesses has always been a challenge for the entrepreneurs. The process of obtaining the needed funds may last for months and make withdraw the entrepreneurs from managing the businesses. On the other hand, without a supply of sufficient sources, the new born businesses will never succeed. The shortage of investment is an effective factor in the failure of much business, nonetheless due to the high death rate of small new businesses, the financial institutions are reluctant to loan to or invest in them. Lack of enough funds, will make the new business fail. Therefore it is necessary to design a model to facilitate the financing of small and medium-sized enterprises. In this research we try to, based on our own needs and in the frame work of existing structures, present some methods for facilitating the funding of small and mean industries. The existing financial system of the country has been accepted as a reality, and we try to, in the framework of this reality and by using its capacities, design some methods for improvement of the supporting situation of small and medium-sized enterprises. The proposed model is based on the formation of a hierarchical cooperative which plays the roles of the bank, the insurance and the guarantee fund at the same time and provides service to the small and medium-sized enterprises. Keyword: Small and medium-sized enterprises, Finance