Objective: Evaluate the use of financial analysis tools in SMEs as a mechanism to achieve higher levels of competitiveness. Methodology: For the analysis, a quantitative research was applied, which a Lickert type survey applied to 40 busines spersons from the city of Barranquilla, selected intentionally, supported and who voluntarily and covered by the law of habeas data participated in the research. Recommendation: The concluding observations indicate that SMEs have not been using financial

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... nning mechanisms, which largely corresponds to the levels of training of business leaders. The reflections also suggest that it is important to bring SMEs closer to the promotion and training organizationsin order to achieve results that are more favorable. Conclusion: In the final part, it can be said that SMEs grow largely thanks to the intuition of their leaders, but not because of organized financial planning, which can lead to scenarios of uncertainty or loss of resources.