This is a research (cross-sectional, non-experimental quantitative approach) based on a survey, of a sample for convenience of 365 micro, small and medium-sized commercial enterprises (MSMEs). The objective of the present was to identify the association that exists between the financing and the competitiveness of the MSMEs of the commerce sector, for which the correlations were determined using the Stata software of the 3 analyzed variables (sales, quality and environmental management) with a level of 5% significance, with the results obtained, the correlation map of the 3 variables was prepared. Therefore, it is stated, what is the degree of correlation that exists between the financing applied to the areas of (sales, quality and environmental management) and the competitiveness of the SMEs of the commerce sector? The study reveals that the MSMEs, show a correlation of 0.9917, 0.8971, and 0.9220 in the variables of sales, quality and environmental management respectively, which means that the MSMEs that used the financing resources in the sales areas, achieved a competitiveness greater than those that used them for the quality area and that financing environmental management contributes to the competitiveness of the company.