The economic development heavily relies on Small and Medium Enterprises (SMEs) but financial challenges and deficient managerial skills restrict their ability to achieve proper financial returns. The research analyzes how financial resource availability together with managerial competencies affect profitability levels of Kano State SMEs in Nigeria. This study investigates financial access impact on SME growth by evaluating managerial competencies toward performance while studying finance and management skill interaction for business success and developing financial management and leadership strategies for SMEs. The research implements a quantitative approach that delivered structured questionnaires to Kano State-based SME owners and managers. The adopted sampling approach consists of stratified sampling to provide adequate representation for multiple SME industries. Statistical methods including descriptions and inference tests calculate the connections between financial access and managerial competencies and their impact on SME business performance. Data shows that access to enough financial capital contributes to better profitability among SMEs because businesses with sufficient funds achieve higher growth rates. The inability of numerous SMEs to acquire reasonably priced credit makes it difficult for them to expand their operations. The financial excellence of organizations depends heavily on the managerial competence level because expert managers excel at making decisions about resource usage investments and financial risk control. The combined force between adequate financial resources along with strong management capabilities functions as the primary factor determining how well SMEs perform financially and enables sustained profitable growth. The research proposes several measures to resolve these problems which include implementing loan plans designed to support SMEs while also providing affordable financial resources and developing manager training programs and bringing financial and management strategies together and adopting modern digital financial technology and creating appropriate government policies. Business performance alongside financial stability together with extended business longevity will improve because of these recommended measures.