This research investigates the role of Artificial Intelligence (AI) in enhancing the financial sustainability of Small and Medium Enterprises (SMEs) in Ghana. It explores how AI can improve access to credit, reduce operational costs, and streamline financial management processes for SMEs. Utilizing a mixed-methods approach, including surveys, interviews, and statistical analysis, the study finds that AI significantly boosts financial sustainability while also identifying challenges such as data security risks and a lack of AI literacy among SME owners. The study concludes with practical recommendations for businesses and policymakers to manage these risks and maximize the benefits of AI adoption for SMEs in Ghana.