This study analyzed the factors affecting the accessibility to credit facilities.The previous studies conducted elsewhere revealed that a limited number of entrepreneurs had access to credit facilities. It was therefore the aim of this study to analyze the reasons behind this and give recommendations. The study identified and analyzed the factors, which influenced and determined the accessibility to credit facilities and the degree of their influence. The principle behind this study was that accessibility to credit facilities promotes growth of the small-scale retail business and hence contributes to the economic growth of the nation. Data was collected by the use of structured questionnaires and analyzed by use of descriptive tools.Data was presented using pie charts, bar graphs, histograms and frequency tables. Chi-square was used to test the hypotheses.The study revealed that most of the small- scale enterprises do not access credit facilities because of high interest rates coupled with poor management skill.The report and recommends that entrepreneurial education centers be established by the government to empower SSEs.