SME & Commercial Lending: From Business Understanding to Financing

Effective lending begins with understanding how a business operates and generates cash, not merely collecting financial documents or offering a loan product. This practical program equips bankers to read a customer’s business model, identify financing needs from operating activities, understand cash flow dynamics and conduct an initial assessment before progressing a financing opportunity.

After completing this program, participants will be able to:

• Understand a borrower’s business model, value chain and operating cycle
• Identify working capital and investment needs from business activities
• Analyze the timing of cash inflows and outflows at an initial level
• Recognize key business and financing risks through practical questions
• Match financing needs with appropriate lending structures
• Conduct an initial proceed / clarify / stop assessment and identify information gaps