Most Colombian micro, small and medium-sized enterprises (SMMEs) do not survive for more than 7 years because they fail to meet the basic financial goal of generating value. This is due, among other things, to the lack of financial resources to enable them to invest in infrastructure, research, development and innovation, mainly because they do not have the support of the financial market, which gives them a different treatment than the medium and Large companies in the country, mainly in what has to do with the high costs to access their loan placement services. This paper presents an analysis of the difficulties that SMEs, especially microenterprises and small enterprises, face in order to survive, as a consequence of barriers to access to formal bank credit in Colombia, related to the onerous costs of so-called microcredit, understood As loans of small amounts granted to the low-income population with restricted access to loans from traditional banks, because they do not have assets to support them (Banco de la Republica, 2010). The main objective of this research is to highlight the difficulties that Colombian microentrepreneurs have in order to keep their businesses and, even more worrisome, to grow, compared to the conditions of the loans offered by financial institutions. The method of study used is based on a systematic compilation of the existing bibliography. As a result of the review, a brief description of the MSMEs in Colombia was made, the main alternatives of financial resources for this group of companies were identified, the main difficulties they have in access to formal credit, as well as the consequences of these barriers.