Small and medium-sized enterprises in the Baltic markets have historically been served by the same major banks that serve consumers, with products and processes designed primarily for retail customers and adapted clumsily to business needs. SME Bank was founded in Vilnius in 2018 specifically to serve small and medium-sized businesses with banking products designed around their actual operational requirements — multi-currency accounts, international payments, business lending, and the operational tools that businesses need to manage cash flow across multiple markets. The bank holds a specialised banking licence from the Bank of Lithuania and operates across the Baltic and broader European markets, focusing on businesses involved in international trade and cross-border commerce. The dedicated SME positioning is significant — most banks treat business customers as a secondary segment behind retail, and many fintechs treating SME banking as an extension of consumer products. SME Bank's premise is that small businesses warrant a dedicated institution rather than being absorbed into broader banking platforms. In the European SME banking landscape, where Tide, Qonto, and Holvi operate as digital-first specialists in Western European markets, SME Bank represents the equivalent positioning for the Baltic and Central European business banking segment — built specifically for small businesses rather than adapting consumer products to their needs.