The access to debt capital is essential to the successful development of SMEs since it enables the realization of innovation projects, which do not contribute immediately to the firms financial resources but initially require investments. Literature suggests that the relationship between the SME and the bank plays an essential role in loan decisions. Accordingly, assuming an optimal rapport, both parties can profit by easier and faster transactions and lower costs. Trust is seen as the basis for a prosperous relationship and thus, for relationship lending as a lending technique commonly applied for SMEs. Numerous researches about the significance of trust when banks decide whether and which amount to lend to firms has been conducted. This research focuses on SMEs trust with the aim to reveal to which extent a trusting relationship is beneficial to them and if there are drawbacks in trusting a bank. From the investigation of the literature analyzed confronted with the findings of the empirical approach of 63 Austrian SMEs, it can be deduced that a long relationship and frequent contact might lead the SMEs representative to trust the banks loan officer, but the strong attachment does not seem to bring real benefits.