A Dissertation submitted to Mzumbe University as partial fulfillment of the requirements for Award of the Degree of Master of Business Administration (MBA) - Corporate Management.This study investigated the influence of inaccessibility of bank finance and lack of financial management knowledge to people doing small business. The general objective of the research was to investigate the influence of accessibility/inaccessibility of bank finance to small business development in Tanzania. Specific objectives: To investigate the influence of accessibility and inaccessibility of Bank Finance on the Small Business management, to identify effects of accessibility/y/inaccessibility of bank finance to the development of small business and to determine challenges faced by small business owners as a result of inaccessibility of Bank finance. Both theoretical and empirical literature was reviewed and the latter revealed that many studies have been done on the similar issues. This was because of the importance of small business as a source of job creation and eradication/alleviation of poverty. The survey research design was used to gather information and the sample included 100 respondents who were randomly and purposively selected. Interviews, observations and documentary analysis were data collection methods used to collect both primary and secondary data. Analysis of data was done based on research objectives and research questions. Findings of this research showed that small businesses owners in the study area find it difficult to access bank finance. The research results also showed that inaccessibility of bank finance have a greater influence on the development of small businesses. It also highlighted that lack of financial management knowledge have an impact on survival and development of small businesses. Recommendations: Small business owners should be financed effectively, business education to be provided effectively, same research to be done in other places.