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This research attempts to empirically identify the impact that SME Characteristics create on the access to finance by SMEs and how the characteristics of the entrepreneur or CEO who owns the SME moderates the relationship between SME Characteristic and their access to finance. Three constructs namely age, gender and educational level are considered to measure the characteristics of the CEO. Data has been collected from 432 SMEs spread across Tamilnadu, India through survey questionnaire. A multiple linear regression analysis is applied on the data collected to identify the relationship between the variables.