In Nigeria, access to finance has been identified as a key element for SMEs to succeed in their drive to build productive capacity, to compete, to create jobs and to contribute to poverty alleviation in the country. Without finance, SMEs cannot acquire or absorb new technologies nor can they expand to compete in global markets or even strike business linkages with larger firms. Despite these, SMEs traditionally have faced difficulty in obtaining formal credit or equity from commercial banks. This study showed a downward trend despite recapitalisation by Nigeria commercial banks, it therefore conclude and recommend that there is more to Banks performance on stimulation of economy through SME than mere recapitalisation.