Small and Medium-sized Enterprises (SMEs) play a great role in the economic growth and development, poverty reduction, income generation, and job creation in both developing and developed countries. Despite all these important roles, SMEs still face challenges, particularly in developing countries. Among these challenges, insufficient of debt financing is one of the major challenges. The study determines the influence of entrepreneurial characteristics on access to debt finance by SMEs from banks in Nigeria. The data was collected through a survey done by administering questionnaires to SMEs operators in Nigeria, with a sample population of 110. Pearson correlation and logistic regression statistical analysis were chosen to ascertain the association between independent and dependent variables and whether all the independent variables influence SMEs access to finance. The result revealed that entrepreneur's educational background, managerial competency, networking, entrepreneur age, gender and entrepreneur marital status influences access to finance. The study recommends that the government agencies in charge of SMEs development should organize more training and seminars for SMEs to improve on their shortcomings.