The article explores how the financial crisis in Nigeria affects small and medium enterprises' access to bank credit. The researchers used data from the Central Bank of Nigeria and conducted regression analysis to study the relationship between bank lending capacity, economic factors, and SME access to credit. They found that higher interest rates and inflation negatively impact SMEs' ability to get credit from commercial banks. The study suggests that the Nigerian government should implement policies to support the growth of SMEs with easier access to credit facilities.