The objective of this study was to evaluate the effect of financial access on performance of micro and small enterprises in Kisumu County. This study used theories that support independent variable which included; Grameen Model theory, Transaction costs theory and financial capital/ Liquidity theory. This research was conducted in Kisumu County, where 15,000 Micro and Small Enterprises owners were targeted by use of stratified random sampling from, different trading sectors which included; boda-boda operators, green grocers, cereals sellers. Second-hand clothes dealers, front door tailors, salonists and barbers. Sample size of 375 MSEs was arrived at by use of the Krejcie and Morgan formula and table to represent the whole population. Self- administered structured questionnaires and interview schedules were used to collect primary data which were distributed to the respondents in Kisumu County. The study therefore used Descriptive survey research design. Data collected were organized in tables in order to enable easy analysis using Statistical Package for Social Sciences (SPSS) Version 27. The research instruments’ reliability was tested by use of Cronbach’s Alpha and the coefficient was found to be 0.7 which was accepted while validity of the instrument was proved by my supervisors who have expertise knowledge in this. Multiple linear regression model, Karl Pearson’s correlation and ANOVA were used in data analysis. The findings revealed that; most MSEs could access small amounts of finances through their mobile phones easily, most financial providers required collateral before lending and charged very high interest rates. The study recommended that banks and other financial institutions should reduce their lending interest rates in order for loans to be affordable to MSEs, The study finally concluded that financial access has highest effect on performance of MSEs as it was found to have p – value of 0.000 < 0.05.