arXiv:2509.10594v1 Announce Type: cross Abstract: Artificial Intelligence (AI) and Large Language Models (LLMs) are reshaping today's business practices, however, their adoption within small and medium-sized enterprises (SMEs) raises significant technical, ethical and trust issues. This paper proposes a structured, multi-phased framework designed to embed trust and ethical principles throughout the AI lifecycle for their secure and responsible use in SMEs. Structured around four pillars, i.e., Data, Algorithms, Human oversight, and Model Architecture, the framework bridges theoretical ethical principles with operational practice, enhancing AI capabilities in diverse SME applications. Ultimately, this paper offers a structured roadmap for responsible AI adoption, framing trust and ethics as a catalyst for resilience, competitiveness, and sustainable innovation in SMEs.