flexible workload of 4 to 360h
valid certificate in your country
What will I learn?
The Credit Viability Analysis for SMEs Course equips you with practical tools to assess small business borrowers confidently. You will learn to construct pro-forma cash flows, examine profitability, liquidity, leverage, and coverage ratios, and perform stress tests. Enhance your qualitative evaluation of management, market, and operational risks, and then develop clear credit proposals, terms, covenants, and monitoring plans for informed lending decisions.
Elevify advantages
Develop skills
- SME credit ratios: quickly analyse margins, leverage, coverage and liquidity.
- Cash flow modelling: construct 3–5 year SME projections including debt service tests.
- Qualitative review: evaluate SME business model, market, management and risks.
- Credit structuring: customise covenants, collateral, pricing and loan tenor for SMEs.
- Credit memos: prepare clear, concise committee packages with strong 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 workloadWhat our students say
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