It is well known that Small & Medium Enterprises (SME) are important driver of economic growth, particularly in the countries in of Sub-Saharan Africa (SSA). However, typically many SMEs operate as informal enterprises which limits their access to finance. In this paper we use a DEA-based multi-method approach to explore the “ICT Capabilities  Going Legit  Get Credit  Make Impact” path. Insights from our analysis include: Economies with higher levels of ICT Capabilities have a less efficient, but also a less expensive, process of legalization of SMEs vis-à-vis their lower level counterparts; and Economies with a more efficient process of legalization of SMEs do not issue more credit than their less efficient peers.