Entendiendo el microcr?dito como la principal fuente de financiaci?n de las microempresas, su relaci?n con el desarrollo y el gran porcentaje que las microempresas representan en el tejido empresarial colombiano, en este trabajo se realiza una investigaci?n de mercado que pretende identificar las necesidades de microcr?dito de las microempresas en la ciudad de Ibagu? y que sirva como insumo para la creaci?n de una empresa comercial de microcr?dito. Como herramienta para la identificaci?n de la informaci?n en fuentes primarias, se implementaron encuestas que fueron aplicadas a 200 microempresas de la ciudad. De ?stas, cerca del 80% pertenecen al sector comercio, reparaci?n, restaurantes y hoteles. Y como resultados principales se encontraron que m?s del 70% considera como primera opci?n el cr?dito formal pero aun as? m?s de la mitad de ellos no ha accedido a uno, las microempresas encuestadas necesitan una reducci?n en la cantidad de tr?mites que conlleva el cr?dito formal y tasas de inter?s justas pues es el factor que m?s incide en la toma de decisi?n al momento de la solicitud. Por el lado de las fuentes secundarias, se encontr? que es importante diversificar el servicio ofertado y la manera de evaluar al cliente de acuerdo a los sectores que va dirigido y ofrecer un acompa?amiento integral que incluya educaci?n econ?mica y financiera para los beneficiados.By understanding micro-credit as the main source of finance for micro-enterprises, their relation with the development and the large percentage that micro-enterprises represent in the Colombian business network. In this paper, a market research is carried out that aims to identify the micro-credit needs of micro-enterprises in the city of Ibagu? and serve as input for the creation of a commercial micro-credit business. As a tool for the identification of information in primary sources, surveys were applied to 200 micro-enterprises in the city. Of these enterprises, about 80% belong to the commerce, repair, restaurant and hotel sector. As main results, it was found that more than 70% consider formal credit as a first option but still more than half of them have not accessed one, the micro-enterprises surveyed need a reduction in the number of formalities involved in formal credit and fair interest rates because it is the most important factor when it comes to decision making at the time of the request. On the side of secondary sources, it was found that it is important to diversify the service offered and the way to evaluate the client according to the targeted sectors and offer a comprehensive accompaniment that includes economic and financial education for the beneficiaries.