Socio-economic development in countries cannot be without the contribution of enterprises, including Vietnam. In particular, factors affecting the decision to access financial resources are a topic of interest in Vietnam and developing countries. The objective of the study is to clarify the factors affecting the decision to access financial resources. Through quantitative analysis, the research results show that enterprise management has a negative impact on the decision to access capital, similar results also show that corporate financial management and policy on financial access have a negative impact on the decision to access capital. The research results show that the business environment and policy on financial access have no impact on the decision to access financial resources at enterprises.