On 7 May 2009, European Commissioner Competition Neelie Kroes sought feedback from entrepreneurs on the problems they are experiencing to obtain financing and State aid and how a better climate can be created for their work as recovery measures are developed. Commissioner Kroes outlined steps taken by the Commission to make it easier and quicker for Member States to give a wide variety of State aids for SMEs, namely the General Block Exemption and the Temporary Framework, and urged Member States to make use of these possibilities. A similar roundtable will reconvene in the second half of 2009. The biggest problems cited by entrepreneurs at the Roundtable include cash flow difficulties and administrative complexity and inflexibility when dealing with banks and government. Many business owners remain unaware of the opportunities afforded under Community State aid rules. Some business owners identified problems with credit insurance and gaps in financing opportunities – banks are reluctant to fund businesses in start-up phases, while governments may lose interest in SMEs once initial support has been provided. Recent changes to the State aid system include the possibility for Member States to grant 26 types of State aid to SMEs without red tape under the General Block Exemption Regulation which came into force in July 2008. Further opportunities were created under a Temporary Framework for State aid approved in December 2008. The Handbook on Community rules for State aid to SMEs provides an overview of all State aid possibilities for SMEs under the Community State aid law, available here