Credit Viability Analysis for SMEs Course
This course equips participants with essential skills for evaluating the credit viability of small and medium-sized enterprises (SMEs), combining quantitative analysis, cash flow modeling, qualitative risk assessment, and effective credit structuring to support informed lending decisions.

4 to 360h flexible workload
certificate valid in your country
What will I learn?
The Credit Viability Analysis for SMEs Course provides practical tools to evaluate small business borrowers with confidence. Learn to build pro-forma cash flows, analyze profitability, liquidity, leverage, and coverage ratios, and run stress tests. Strengthen qualitative judgment on management, market, and operational risks, then structure clear credit proposals, terms, covenants, and monitoring plans for sound, well-supported lending decisions.
Elevify advantages
Develop skills
- SME credit ratios: analyze margins, leverage, coverage and liquidity fast.
- Cash flow modelling: build 3–5 year SME projections with debt service tests.
- Qualitative review: assess SME business model, market, management and risks.
- Credit structuring: tailor covenants, collateral, pricing and loan tenor for SMEs.
- Credit memos: craft clear, concise committee packages with solid recommendations.
Suggested summary
Before starting, you can change the chapters and the workload. Choose which chapter to start with. Add or remove chapters. Increase or decrease the course workload.What our students are saying
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