The study examines the relationship between entrepreneurship, culture and access to finance with the intention of proposing a framework within which this 3-way relationship could be understood and applied to different contexts. Although there has been a growing number of studies on the relationship between entrepreneurship and culture, much less is known about how this relationship in turn affects access to finance. We locate our study in Tunisia, a country, with a relatively high score of ease of doing business, but which does not score as highly around two specific indicators: starting a business and accessing credit. This prompts enquiry into how Tunisian economic agents such as start-up entrepreneurs and financial institutions operate in order to optimize on the increasing post-revolution fund flows and to create an inclusive and entrepreneurial private sector led economy. The information and communication technology (ICT) sector is selected because of its perceived ability to draw out culturally-constructed norms and practices and also because it captures the “millennial” generation that triggered the Arab Spring uprising. Relevant models such as those by Hofstede and Hofstede (2005) are used in conjunction with ethnographic field research that allows for mapping of key culturally-constructed norms and practices from both the demand and supply side. The study finds that culture is not only a major determinant of business start-up but also access to finance. Causality is however not unidirectional. Entrepreneurship amongst the millennial generation exerts influence on social and business culture, but not so much on financial sector practice which is still predominantly in the hands of a more conservative and older generation. Access to finance does not appear to have as much effect on entrepreneurship as was originally thought. Specific implications for the Tunisia case are presented. Choke point interventions are suggested, with some suggesting shifts towards increasingly targeting specific aspects of culture and not just business.