Abstract: “This paper focuses on determining the socio - economic and demographic factors that predict credit accessibility from financial institutions (banks) in South Africa. Data was obtained through, questionnaire survey from 179 small and medium enterprises (SM C Es) who were conveniently sampled. The questionnaire was developed from literature review. The socio - economic and demographic determinants predicting credit accessibility were identified. The data was analysed using statistical package for the social sciences (SPSS) ve rsion 22. The results indicate that credit was predicted by age group, current position in the organization, tax number and location. The gender of the respondent, type of business ownership a nd collateral (security) . This study informs SM C Es owners and man agers to provide, their age, current position in the organization when applying for credit. Furthermore, they should provide the tax number and the location of the business in orde r for them to obtain credit”

Keywords: Credit accessibility, small and medium construction enterprise, South Africa.