Abstract
The development of small businesses is a critical factor in economic growth, yet challenges related to access to financial resources remain a significant barrier. While commercial banks play a crucial role in providing credit to small businesses, their lending policies often create obstacles due to high interest rates, strict collateral requirements, and complex application procedures. This study examines the impact of credit policies on small business financing, analyzing key banking regulations, lending criteria, and financial mechanisms that influence business sustainability. Findings reveal that although bank loans serve as the primary source of capital for small enterprises, restrictive lending practices limit accessibility. The results highlight the need for policy reforms, including the introduction of government-backed credit guarantees and financial liberalization, to improve loan accessibility and promote entrepreneurship.