This study's objective was to investigate the factors affecting access to credit to Small and Medium-Sized Enterprises (SMEs). Small and medium-sized businesses (SMBs) play a crucial part in the economy of any nation. They increase the quality of life for both businesses and employees by providing jobs. They are a major source of entrepreneurial talents and innovations; the purpose of this study was to investigate the characteristics that affect loan access for small and medium-sized enterprises (SMEs) in Jigjiga. This study was intended to be of significant value to individual entrepreneurs, potential investors, lending institutions, the county government of Ethiopia, and other researchers in order to enable credit policies that are conducive to business growth. The target audience consisted of 1511 SMEs operating in Jigji. The research employed stratified random selection followed by simple random sampling to pick 151 respondents from the identified strata. Utilizing questionnaires, data were collected. The acquired data was subjected to correlation analysis and multivariate analysis to examine the relationship between the indicated parameters and credit use. The data was then shown in tables and graphs. According to the study, the number of financial institutions, the interest rate charged on loans, collateral security, level of literacy, and firm characteristics are the most significant factors affecting the availability of credit facilities for small and medium-sized enterprises (SMEs) in Jigjiga. The research suggests that informal borrowing should be prevented by training. Alternative sources of collateral security must be sought, and SMEs must be regularly educated on how to manage finances, establish books of account, prepare income and expenditure statements, and organize budgets. In addition, the researcher suggests that the number of financial institutions can be raised by establishing savings and credit associations for various categories in order to increase the rate of financial expansion.