This article examines the challenges and solutions related to forming financial resources in enterprises, particularly focusing on the context of developing countries. It identifies critical barriers such as limited access to capital, underdeveloped financial markets, stringent regulations, and low financial literacy and infrastructure. Proposed solutions include enhancing alternative financing, developing financial markets, regulatory reforms, and improving financial literacy and infrastructure. Highlighting the importance of collaborative efforts among key stakeholders and the potential of technological innovations, the study suggests pathways for creating more inclusive financial systems that support enterprise growth and sustainability in developing countries.