Credit Viability Analysis for SMEs Course
Gain mastery in evaluating SME credit viability through practical ratio analysis, cash flow projections, sector comparisons, and risk assessment techniques. Develop skills to prepare strong credit memos, justify lending decisions to committees, and enhance loan portfolio quality, especially in SME lending and wholesale food distribution sectors.

from 4 to 360h flexible workload
valid certificate in your country
What will I learn?
This course equips you with practical skills to assess small business creditworthiness confidently. You will learn to create pro-forma cash flows, evaluate profitability, liquidity, leverage, and coverage ratios, perform stress tests, and apply qualitative analysis to management, market, and operational risks. Finally, structure effective credit proposals, terms, covenants, and monitoring plans for informed lending.
Elevify advantages
Develop skills
- Analyze SME credit ratios including margins, leverage, coverage, and liquidity swiftly.
- Build 3-5 year cash flow projections for SMEs with debt service coverage tests.
- Evaluate SME business models, markets, management teams, and associated risks.
- Design tailored covenants, collateral requirements, pricing, and loan terms for SMEs.
- Prepare clear and concise credit memos with robust recommendations for committees.
Suggested summary
Before starting, you can change the chapters and 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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