The SMEs (small and medium-sized enterprises) a basically is economic lifeline, for majorly in developing economies growth. Similarly, the funding challenges negatively impacted the smooth advancement of sustainable entrepreneurship. Collaborations between enterprises and banks constitute the sole reason why SMEs’ is constraint in receiving finances; the banking sector lack the full knowledge of the challenges face by SMEs such as their daily running cost and their credit incur nor turnover increment and so on. This paper used game theory to analyses financing growth strategies of SMEs in the city of Kaduna with the problem associated with sustaining the economic development of competitive market within the city.