This study sought to identify factors that influen e credit flow to Small Scale Enterprises (SSE) from the point of viev/ of SSE and commercial banks. The need for this study arose from the fact that alot cf smali businesses do not expand their business operations and new start-ups are limited due to lack of financial resources they need. There is lack of identified factors that coulc indicate accessibility of credit to SSE. In order to achieve the objectives of this study, primary data was coilected from sample of SSE in the Eastlands cf Nairobi and commercial banks with a sample size' of 30 each, The methods of data collection were "a drop and coliect later procedure" of questionnaires to the corm tercia: banks and personally administering the questionnaires to the SSE. Factors and 2 (interest rates, gender) were tested for independence using Chi-Square Statistics for both commercial banks and SSE responses. Factor 3 namely, commercial banks attitudes credit guarantee Schemes, was tested using a sign test statistic. The data analysis revealed the two factors (interest rates and gender) were independent of credit flow to SSE.In other words, interest rates and gender are not important factors for credit flow tc SSE. The analysis for factor three reveaied that there is positive attitude by commercial banks to Credit Guarantee Schemes.