Small and Micro Enterprises (SMEs) are strong businesses that are resilient even in a state of economic crisis or the COVID-19 pandemic. In fact, SMEs have the potential of developing into big businesses, although it requires a large production capacity and huge capital. Nevertheless, SMEs continually have many challenges of capital, human resources, information, and access to financial institutions and banks. Therefore, this study aims to determine the model of access to capital from SMEs in Karawang, West Java from the company's characteristics. The sample used was 109 from SMEs owners in Karawang Regency, and was analyzed using logistic regression. The results showed total assets, business development plans, type of industry, business location, and gender do not affect the probability of access to capital. However, there was an effect of financial reports and credit guarantees on the possibility of access to capital of the SMEs.