Credit Viability Analysis for SMEs Course
Master SME credit viability with hands-on ratio analysis, cash flow modeling, sector benchmarks, and risk structuring. Build robust credit memos, defend decisions to credit committees, and improve loan quality in SME and wholesale food distribution finance.

flexible workload of 4 to 360h
valid certificate in your country
What will I learn?
The Credit Viability Analysis for SMEs Course gives you 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 modeling: 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 workloadWhat our students say
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