Abstract
This study sought to investigate the challenges and the barriers facing Small and Medium –Sized Enterprises in South Africa construction
industry in their quest to access credit from financial institutions for their business purposes. This study utilizes a combination of primary
data emanating from structure survey questionnaires supplemented by secondary source of data from an extensive literature review, in order
to present insightful commentary about credit accessibility with Construction SMEs in South Africa. The study was a cross-sectional survey
that used semi-structured questionnaire to collect data from the sample. 50 questionnaires were distributed to Construction Company
in Gauteng Province in in Johannesburg through a convenience sampling technique. The key barriers were identified include
informational barriers, lack of managerial ability within construction SMEs. Limitation of the study have been note and
recommendations for developing innovative approaches to making credit accessibility to construction SMEs in South African
been discussed. The study contributes to the body of knowledge in the area of financing construction firm in developing
countries in general, and in South Africa in particular.