Abstract
Small and medium construction enterprises (SMEs) are an important vehicle to drive the economic growth globally. However, this
enterprise sector has been constrained by different factors that stifle their full participation in the main stream economy specially
credit accessibility. There is paucity of research to verify the determinants that predict revolving credit accessibility from financial
institutions in South Africa. The data was obtained using questionnaire survey. 179 small and medium contractors responded from
conveniently sampled respondents in Gauteng province in South Africa. The data was analysed using Statistical Package for the
Social Sciences (SPSS) version 22. The study found that the dependant variable i.e. revolving credit was not predicted by the
independent variables suggested i.e. gender, age group, current position, organization ownership, tax number, location and
collateral. The finding informs bank managers they should not force clients to submit collateral before awarding credit to the SMEs.
The suggested model that was tested attained the Hosmer and Lemeshow Test goodness of fit hence the results were credible.
However, a further study is proposed for the entire country as the researchers acknowledge limitation on the chosen location of
study.