This report provides a comprehensive analysis of managing small and medium enterprises (SMEs), using IWOCA Ltd., a Fintech company, as a case study. The report begins with an introduction to SME management, followed by an overview of IWOCA Ltd.'s business model, competitive advantages, and startup procedures. It delves into the nature of the entrepreneur behind the venture, the SME startup process, and the company's competitive environment, including an analysis using Porter's Five Forces model. Furthermore, the report examines IWOCA Ltd.'s growth and development, including its use of the Ansoff Matrix, and discusses the challenges faced by the company, such as government regulations and market competition. The report concludes by highlighting the importance of government support measures for SMEs, offering valuable insights into the complexities and strategies involved in managing and growing these businesses.