Abstract: “Small and medium construction enterprise (SMEs) has become the significant clout of sustained, instantaneous and braci ng growth of South Africa economy. Moreover, SMEs has performed an unparallel ed role in advancing the South Africa economic growth, and serve as a breeding ground for entrepreneurs and a pr ovider of solutions to address the problems of unemployment in all consuming labours and promoting marketing growth. An opportunity for the healthy advancement of small and medium - sized enter prises (SMEs) in South Africa was in relation to the transformati on and expansion policy due to the brisk evolution of the global economy. But with the global economic integration, the small and medium - sized enterprises operating environment is facing tremendous changes and more intense competition. The data was obtaine d using questionnaire survey. 179 small and medium contractors responded from conveniently sampled respondents in Gauteng province in South Africa. The data was analysed u”

Keywords: : Determinants, bridging loan, small and medium, bridging loan, construction industry, South Africa