Togo＇s　agriculture　needs　to　modernize　itself　by　changing　its　traditional　techniques,　it　needs　to　intensify　to　follow　the　course　of　globalization　and　to　integrate　into　an　economic　competition.　To　do　so,　adequate　financing　is　required.　Starting　from　the　lower　class　in　Togo,　small　farms　cannot　finance　themselves,　whereas　they　should　be　excluded　from　commercial　banks　because　of　the　nature　of　their　activity.　This　paper　analyses　the　factors　that　may　or　may　not　allow　small　farms　to　access　credit　from　Financial　Institutions　in　Togo.　The　logit　model　was　used　under　Spss　software　to　analyze　data　obtained　from　a　survey　of　440　family　farms　and　12　financial　institutions　in　Togo.　It　is　obtained　as　determining　parameters　whether　or　not　farmers　accessed　credit　from　the　FIs:　The　number　of　years　of　experience,　membership　in　a　farmers＇　organization,　income　on　the　main　activity,　participation　in　training　or　meetings　for　the　setting　up　of　agricultural　micro-projects.　The　descriptive　analysis　shows　the　total　exclusion　of　small　farm　banks.　Of　the　12　financial　institutions　that　were　the　subject　of　our　survey,　only　the　microfinance　institutions　offer　credit　to　family　farms.　©　2021　ACM.