Credit Viability Analysis for SMEs Course
This course provides essential skills for analyzing the credit viability of small and medium enterprises (SMEs), covering financial modeling, ratio analysis, qualitative assessments, and credit proposal development to support effective lending decisions.

flexible workload from 4 to 360h
valid certificate in your country
What will I learn?
The SME Credit Viability Analysis Course equips you with practical tools to assess small business borrowers confidently. You will learn to prepare pro-forma cash flows, examine profitability, liquidity, leverage, and coverage ratios, and conduct 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: create 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 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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