The main goal of this paper is to provide an overview of the difficulties faced by micro and small enterprises (MSEs) in access to bank credit, more precisely to the lines of funding available to this segment of companies. To perform this analysis, this work made use of the application of a questionnaire to micro and small entrepreneurs selected for convenience. Of the data found, the cost factor was named as the most difficult to access credit, confirming thus that the studies Viol e Rodrigues (2000) and Santos (2004) predicted. Moreover, it was revealed that knowledge about the sources of finance available to MSEs is low, which hinders the uptake of the line that best fits each company. The research results showed, then, that the preferred source of funding of these companies is determined by the context in which they live, where the prevailing lack of information by lines of credit and its remote access to, as the theory of Gama et al. (2000) assumes.