Small and Micro Enterprises usually experience retarded growth or even no growth. It is expected that during the initial stages, the business is likely to make major losses but later along its lifecycle, it achieves success. Advent of Covid 19 brought about more complications in the system. The main of this study is to assess the linkages between Availability of Finance, Finance Costs and Business success among SMEs in Kenya. The methodology used is literature review and analysis of secondary data. The findings of this study concludes that the success of business is evaluated through monitoring and evaluation for indicators such as profitability, quality of products and services, market share and business lifecycle stage. Availability and accessibility as well as the cost of business finance plays a major role in fueling business growth. Finally, the study observed that there is no significant difference between the cost of digital loans and the cost of unsecured bank loans in Kenya.