SMEs are crucial to Nigeria’s economic growth, but many in North Central Nigeria struggle with limited financing, weak managerial capacity, and inadequate support services, affecting performance. This study examined the effect of small and medium enterprises development agency of Nigeria services on performance of SMEs in North Central, Nigeria. This adopted a quantitative research design using the survey approach, the population of the study comprised of 130,959 registered SMEs in North Central, Nigeria out which sample size of 519 was used and a multi-stage sampling procedure was applied, combining stratified random sampling technique, proportional allocation, and judgmental sampling technique to obtain a reliable and representative selection of SMEs across the North Central region of Nigeria. The study utilized adapted questionnaire as the instrument for data collection which was analyzed using partial least square structural equation modeling. The study found that Credit Facilitation and Microfinancing of small and medium enterprises development agency of Nigeria have positive but insignificant effect on performance of SMEs in North Central Nigeria, while, Financial Advisory Services of small and medium enterprises development agency of Nigeria has positive and significant effect on performance of SMEs in North Central Nigeria at 5% level of significant. The study therefore concludes that. The study concludes that credit facilitation and microfinance service of small and medium enterprises development agency of Nigeria offer limited support to SMEs, while financial advisory services strongly improve performance by guiding better decisions, planning, and efficient use of business resources. The study recommends among others that SMEs, with support from SMEDAN and Development Finance Institutions, should plan carefully, invest credit in productive activities like equipment or stock, and monitor spending to turn even small loans into real growth.