In this book the authors have designed comprehensive empirical studies and identified the impacts of access to finance on the Small and Micro Enterprises (SMEs) performance. The authors applied a mix of different methodologies ranging from developing a conceptual framework to an empirical study to investigate how, and to what extent, access to finance influences Small and Micro Enterprises (SMEs) performance. The motivation for the study was that the link between SMEs performance and use of bank credit is inconclusive. The study helps to understand the developed world financial theory and developing countries actual situation; thus, it helps to bridge the gap between theory and practices and strategically inform business decisions.