Credit Viability Analysis for SMEs Course
This course equips participants with essential skills for evaluating the creditworthiness of small and medium enterprises (SMEs), combining quantitative analysis of financial statements and cash flows with qualitative assessments of business risks to support informed lending decisions.

4 to 360 hours flexible workload
valid certificate in your country
What will I learn?
The Credit Viability Analysis for SMEs Course provides you with practical tools to assess small business borrowers confidently. Learn to construct pro-forma cash flows, examine profitability, liquidity, leverage, and coverage ratios, and conduct stress tests. Enhance qualitative evaluation of management, market, and operational risks, then formulate clear credit proposals, terms, covenants, and monitoring plans for prudent, well-founded lending decisions.
Elevify advantages
Develop skills
- SME credit ratios: analyse margins, leverage, coverage and liquidity quickly.
- Cash flow modelling: construct 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 say
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