BLOG
 
Academy
 
August 25, 2025

Academy

A step-by-step guide to SME financing, from loan options and applications to cash flow, credit, and risk management.

Academy

A step-by-step guide to SME financing, from loan options and applications to cash flow, credit, and risk management.

Introduction to Lending for SMEs: 4 modules

Topic 1: What is Lending?

Topic 2: Why SMEs Need Lending

Topic 3: Preparing to Apply for a Loan

Topic 4: Types of SME Lending: Loans, Credit Lines, Invoice Financing, etc.


Understanding SME Lending Options: 5 modules

Topic 1: Bank Loans: Traditional Lending Explained

Topic 2: Government-Backed Loan Programs and Grants

Topic 3: Alternative Lending: Peer-to-Peer, Fintech Platforms

Topic 4: Trade Credit and Supplier Financing

Topic 5: Microloans and Short-Term Financing

Preparing to Apply for a Loan: 5 modules

Topic 1: Assessing Your Business Needs and Loan Purpose

Topic 2: How Much to Borrow: Calculating Your Capital Requirement

Topic 3: Understanding Your Business Financial Health

Topic 4: Credit Scores and Their Impact on Lending

Topic 5: Gathering Required Documents for Loan Applications

The Loan Application Process: 5 modules

Topic 1: Step-by-Step Guide to Applying for a Loan

Topic 2: How to Choose the Right Lender for Your SME

Topic 3: Loan Application Mistakes to Avoid

Topic 4: What Lenders Look For: Key Criteria

Topic 4: Loan Interview Preparation Tips

Understanding Loan Terms and Conditions: 5 modules

Topic 1: Interest Rates: Fixed vs Variable

Topic 2: Repayment Schedules and Flexibility

Topic 3: Fees and Hidden Costs in SME Lending

Topic 4: Collateral and Security Requirements

Topic 5: Early Repayment and Penalties

Managing Business Cash Flow with Loans: 4 modules

Topic 1: Using Loans to Manage Cash Flow Effectively

Topic 2: Budgeting and Forecasting Loan Repayments

Topic 3: Avoiding Over-Leveraging Your Business

Topic 4: Emergency Funds and Loan Management

Building and Improving Business Credit: 4 modules

Topic 1: How to Build Good Business Credit

Topic 2: Monitoring Your Business Credit Score

Topic 3: Tips to Improve Creditworthiness

Topic 4: The Role of Personal Credit in SME Lending

Risks and Challenges in SME Lending: 4 modules

Topic 1: Common Lending Risks for SMEs

Topic 2: How to Mitigate Lending Risks

Topic 3: What to Do if You Can’t Repay Your Loan

Topic 4: Understanding Loan Default and Its Consequences

Scroll to Top
Poss Capital Business Loan