The SME sector plays a significant role in every countries’ economy. The European Union also realized its importance and hence tries to create such fiscal rules and administrative environment which enhances business activity and the level of entrepreneurs. At the same time the majority of enterprises faces emerging difficulties. Companies aiming to survive in the long run have to realize and continuously monitor the inside and outside environment which affects them. It is inevitable to use the tools of risk and change management which cannot be overlooked in today’s economic environment. Last decades local currencies have appeared in order to reduce liquidity risks and its emergence is continuous and becoming more and more successful. The aim of the article is to introduce the difficulties of the Hungarian SME sector and shortly discuss the opportunities of local currency as a risk management tool which can positively affect the prosperity of the SME sector.