Small and medium-sized enterprises (SMEs) have a significant impact on the economic development of any country, but they face obstacles in accessing the financial resources needed to carry out their activities. Similarly, financial institutions such as banks have various challenges in accrediting these types of businesses to allocate credit. Banks and financial institutions use different credit scoring models to identify the borrower's facility and determine the required collateral value. But because SMEs are considered unorganized in terms of financial data management compared to large corporations, credit risk assessment based solely on financial data leaves banks and financial institutions with multiple concerns about how to repay the facility by acquiring And faces small and medium jobs. In this regard, in this study, after reviewing the literature and credit history of small and medium businesses, different components of credit validation of these businesses in the form of four main components and 26 dimensions were identified and prioritized by 15 credit experts of different banks and then data The obtained data were analyzed using AHP technique. Shows that according to the credit experts of banks, for accreditation of small and medium businesses, among the components, financial components and management are the first and second priority, as well as among the dimensions; financial stability, profitability, technology status, and government policies are the first to fourth priorities, respectively.