Micro-finance institutions over the years have proven indifferent in the provision of formal loans to small scale business owners. Small scale business owners have always faced series of problems in the investment or expansion of their business due to lack of start-up capital, financial management skills, or the preferred knowledge needed in running their business. The study therefore examined the growth of small scale businesses through the credit delivery of microfinance institutions in the Municipality of Makeni. With objectives to assess the involvement of business before obtaining loans from microfinance institutions, look at the performance of the small scale businesses before taking loans, the changes which occur in businesses after benefiting from microfinance institutions and also the services which microfinance institution provides to holder of small scale businesses. The study use of descriptive statistics. 170 respondents out of 3,299 registered small scale businesses in Makeni City Council. Out of the 170 respondents randomly selected, 162 respondents are willing for the interview and the results were presented and analyzed using tables and charts. The result shows that the availability and accessibility to micro-finance have a positive impact on the growth of small businesses. The study recommended that government should formulate polices that will encourage the establishment of more microfinance institutions; this is because the informal sector contribute greatly in the growth and development of the country.