iarjbmIARJBMIARJBM2708-5147https://doi.org/10.47310/iarjbm.2021.v02i01.021An Investigation on the Effects of Asset-Based Lending on Credit Accessibility of Micro and Small Enterprises (MSEs) in Meru Town, KenyaKobiaFaithKathureGabrielWaweruMohamedShanoDepartment of Finance and Accounting School of Business Meru University of Science and Technology, KenyaMicro and Small Enterprises have been known to be drivers of socio-development. Despite the effort of governments in formulating and implementing policies intended to enhance entrepreneurship, a number of challenges are still being experienced by entrepreneurs with the major one being the requirement of lenders of different financial institutions. The aim of this paper is to investigate the Effects of Asset-Based Lending on Credit Accessibility of Micro and Small Enterprises (MSEs) in Meru Town. The paper adopts a descriptive research design. We targeted a study population of 800 different registered MSEs. Stratified sampling was applied on a target population of 800 registered MSEs that yielded a sample size of 80 respondents represented by owners or managers of these businesses. A regression results showed a positive correlation between asset-based lending with credit accessibility (r-0.93).