The study investigates Non-farm MSMEs performance and gender bias in access to credits in Nigeria. A multinomial logistic regression approach. The study used Nigerian Enterprise Survey data (2014) comprising of 2,676 SMEs. Employing Multinomial logit model, the study found that the interaction of female manufacturing (femalemanu~t), female retail (femaleretail) and female other services sector (femaleother~s) significantly reveal the less likelihood of gender bias when application procedures were too complex. The interactive results when interest rates were unfavourable significantly reveal the presence of gender bias in the manufacturing and retail sector at 10% and 5% level of significance but not in other sectors. While the result of the collateral requirements too high played no significant role in all the sectors. The study therefore concludes that gender bias pose a serious hinderance to credit access and recommends that the Central Bank of Nigeria (CBN) should develop policies such as smoothening some lending conditions that are not female friendly. Also, that the government should sustain and expand Micro Finance Policy framework by establishing more MFBs in all the geopolitical zones as well as in the rural areas thereby creating more credits access to both genders for more robust and sustainable growth of MSMEs in Nigeria.

KEYWORDS: Non-farm MSMEs, gender bias, access to credits, Multinomial regression, Nigeria.