This study examines the impact of firm characteristics on SMEs' access to bank credit. The study used primary data taken from a survey questionnaire of the 269 SMEs to collect credit-related data accessible to SMEs. Regression analysis is applied to identify factors affecting the accessibility of bank credit. SPSS 22.0 software was used for analysis. The results showed that the characteristics of the business affecting the ability to access bank credit include: Enterprise's location, Equity, Business plan, Collateral, Project value and Firm Tax Number. Factors Business Plan and project value are the two most influential factors. The recommended study SMEs in the city. HCMC maintains attractive corporate attributes to stimulate lenders to expand financially investments.