iarjbmIARJBMIARJBM2708-5147https://doi.org/10.47310/iarjbm.2020.v01i01.021Credit Access and Performance of Micro and Small Enterprises in Nakuru County, KenyaSilasPeterMwiathiMwangiRahabWanjiruEntrepreneurship contributes to the achievement of development goals by encouraging economic growth and improving the standards of living of the people. The Government of Kenya has established various funds in an effort to enhance equity among socially disadvantaged groups like women, the disabled and unemployed youth. Despite these efforts, the uptake of these funds remains low due to unfavorable lending conditions, leaving a financing gap. This study employed a non-experimental research design, conducted in four randomly selected administrative sub-counties in Nakuru County. From an approximated sampling frame of 650 MSEs, a random sample of 248 was selected. A structured questionnaire, with a Cronbach Alpha coefficient of 0.72, was administered to the sample. Results of a linearized logarithmic regression showed that credit amount and challenges faced in accessing credit accounted for close to 14.0% (R2 = 0.139) of performance of the MSEs in Nakuru County. The study concluded that credit access had a positive significant effect on the performance of MSEs. Policy implication was that the Central bank, in collaboration with commercial banks, should ease borrowing terms to increase MSEs’ access to credit. Also, the government should offer incentives to lending institutions so that they can lower the cost of borrowing.