Our Programmes  >  Introduction to Small Business Finance

Making Small Businesses a Cornerstone of Your Bank

Introduction to Small Business Finance

Things you will learn in this programme

  • Learn and capture key trends in small business banking today.
  • Sharpen the balance sheet instincts of SME banking managers
  • Discussions on key concepts of sustainability, credit, default, and other tactical areas of the business
  • Overview of how supply chains are evolving at various levels in different business industries
  • Identify product innovation and best practices from around the world
  • Organising your institution to serve the small business industry in your country.

You should register for this programme if:

Modules you will cover Expand/Collapse All

1.1. Defining a small business is different around the world

1.2. Some of the best small business finance models from around the world

1.3. The A-Z of how small businesses are financed

2.1. Credit process: commercial loans vs consumer/SME loans

2.2. Dealing with SME ‘financials’ (or the absence of financials)

2.3. Why are accounting policies important?

2.4. Making your borrowers more effective

3.1. Finance vs banking

3.2. Debt vs equity

3.3. Financial intermediation

3.4. Why do SMEs borrow and why should an FI lend to SMEs?

4.1. What needs to change at SMEs?

4.2. Identifying key products and services suitable to your target market

4.3. Lending on receivables and inventory

4.4. Lend the product that suits the borrower’s need, not necessarily what the borrower asks for

5.1. Going slowly into a banking relationship, not quickly into a banking transaction

5.2. Mechanics of booking and reviewing SME transactions

5.3. Understanding 5C’s of Credit

5.4. A layman’s approach to terms and conditions

6.1. Early identification of potential small business default:

6.2. Financial vs non-financial warning signals

6.3. Strategies available to manage small business default

6.4. Breaking down debt into negotiable elements

7.1. Why are good environmental practices relevant to finance?

7.2. Potential impact on profits and cash flows?

7.3. Potential impact on collateral, borrowers and lenders?

7.4. Climate change and finance?

8.1. Products which your financial institution can offer to its SME clients?

8.2. Non-bank services including cash processing, wages, pension fund management, forex management and export related support

9.1. Building strong customer relationships and sustainable operating profits

9.2. Top-down credit analysis to manage change

9.3. What can change the sustainability of your borrower’s operations?

9.4. Possible ways to deal with black swan events

10.1. How is your institution organised around small business finance?

10.2. Key SME functions each FI needs to have:

Completion rules

  • All units must be completed
  • Leads to a certificate with a duration: 1 year


Small businesses are the veins and arteries of the economy. Millions of imaginative, hardworking and self-motivated individuals respond creatively to the demands of the economy in the respective countries we come from.

The financial services industry’s ability to serve the small business world is crucial in ensuring the continued success for any economy. But serving the community requires considerable and specific skills, as well as an instinct for this business. It also requires an understanding of how technology and innovation can be used to succeed in this fierce competition for the business of the small customer.

Where banks are failing small businesses today, new forms of financing support are coming in to take the place of traditional players. More important than selling credit, banks have to learn how to sell a sense of community and mutual support.

This training is designed to be carried out digitally for the benefit of your promising employees in this business.


Andrew McRobert

Expert in SME Banking, Credit and Risk Management Advisor, Excellence in Retail Financial Services Awards Programme, The Asian Banker

  • 4.7 Instructor Rating
  • 9 Courses

Andrew McRobert is a credit and risk management specialist in development, commercial and SME banking. He currently runs a training and consulting firm in SME and small business banking. He started his banking career in Citicorp and has also held various positions in commercial banking. Andrew had also worked in corporate finance at Price Waterhouse in Jakarta, Indonesia and has undertaken credit, problem loans and risk management assignments for the Asian Development Bank, IFC, African Development Bank and others. He has designed, written and presented financial markets seminars in nearly 30 countries in the Asia-Pacific, Middle East and African markets.

US$ 99

Invest today US$ 99

Introduction to Small Business Finance

  • 10 training videos
  • Online exercises and assignments graded by the trainer
  • Four Masterclasses in a year, on key topics around SME Finance
  • Supporting reading material and regular updates on industry trends
  • Access to faculty members via group chats
  • Certificate of participation on successful completion of the programme

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