This article studies the relations between the access to bank financing and a set of economic and financial variables of SMEs. We specifically focus on the link between the internationalization of SMEs and their capacity to obtain bank credits. Several results are to be highlighted. In particular, the size and the tangibility of assets are positively related to leverage, which shows the importance of guarantees to access financing. Conversely, the internationalization is negatively related to this same type of debt, which shows the difficulties faced by SMEs when they wish to explore new international markets.