Credit Viability Analysis for SMEs Course
Gain expertise in evaluating SME credit viability through practical ratio analysis, cash flow forecasting, industry benchmarks, and risk assessment techniques. Develop skills to prepare strong credit memos, present recommendations confidently to committees, and enhance loan portfolio quality in SME lending and wholesale sectors.

flexible workload of 4 to 360h
valid certificate in your country
What will I learn?
This course equips you with practical tools to assess small business borrowers effectively. You will learn to create pro-forma cash flows, evaluate profitability, liquidity, leverage, and coverage ratios, perform stress tests, enhance qualitative analysis of management, market, and operational risks, and develop structured credit proposals, terms, covenants, and monitoring plans for informed lending decisions.
Elevify advantages
Develop skills
- Analyse SME credit ratios including margins, leverage, coverage, and liquidity swiftly.
- Construct 3-5 year cash flow projections for SMEs incorporating debt service analysis.
- Evaluate SME business models, markets, management strengths, and associated risks.
- Design tailored covenants, collateral requirements, pricing, and loan terms for SMEs.
- Prepare concise and compelling credit memos with robust recommendations for committees.
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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