Small and medium-sized businesses (SMEs) are essential contributors to Jordan's economic development and job creation. For many SMEs in the nation, access to financing has been a recurring problem. Digital lending platforms and other fintech services have made alternate funding choices for SMEs available. This empirical study attempts to look into the connection between Jordanian SMEs' access to financing and fintech services. A total of 150 questionnaires were individually delivered to SMEs in Jordan using a purposeful sample method for this cross-sectional study, which was conducted. Using PLS-SEM (PLS 4.0) statistical software, data were examined to determine the effect of fintech services on their access to financing. The study's findings showed a strong correlation between using fintech services and SMEs' ability to acquire financing in Jordan. According to the report, SMEs who utilize fintech services are more likely to be able to receive financing than those that do not. The results of this study will help to clarify how fintech services might increase SMEs' access to financing in Jordan and will educate policymakers and stakeholders about the possible advantages and drawbacks of using fintech services.