This study aims to find the effect of financial technology on MSME performance through financial inclusion in Furniture SMEs in Gorontalo City. The method employed in this study is quantitative, using data analysis techniques, namely SmartPLS 4.0 software. In this study, the sample used is 67 Furniture SMEs in Gorontalo City during the 2023-2024 period. The results show that financial technology does not affect MSME performance, financial technology affects financial inclusion. Financial inclusion does not affect MSME performance and financial technology does not affect MSME performance through financial inclusion as a mediating variable.