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.

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.

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

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

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

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

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

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

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