Financial inclusion helps people access financial services easily, which is important for development and protection against economic problems. In Nigeria, many small businesses struggle to access financial services. A study looked at how financial inclusion affects the performance of small and medium businesses in Nigeria. They used surveys and found that financial inclusion helps these businesses grow. However, challenges like distance to financial services and poor infrastructure make it hard for businesses to access these services quickly. The study suggests spreading access points to rural areas and improving infrastructure to promote financial inclusion. It also recommends digitizing payments and enhancing technology to make banking easier for everyone.