Small Business Credit Training: Ratio Analysis, Finance, Accounting and Credit Process

3 mins read

The course assumes that you have some basic knowledge of ratio analysis, finance and accounting. The ratio analysis course listed below like the accounting and finance courses is a basic course. You also need to review the Small Business Credit Analysis course to get deeper into the credit analysis performed by a bank.

Before you apply for credit or a loan facility at your local bank the one thing you can do to improve your chances is to understand the credit approval process at a bank. How does the bank work with your application, what do they look at, what can you do to make a stronger case for credit approval. Here is the first course on Credit process. You can go straight to the course or walk through the lesson plan below

Ratio Analysis course

The Ratio Analysis course starts with the very basics of foundation and then quickly moves into the four key dimensions of ratio analysis: Liquidity, Leverage, Profitability, and Productivity.


Credit Process

While the course started the discussion on financial and operating leverage and the thinking behind the borrowing decision, the Credit Process course focuses on the lending side of the equation.

Accounting Crash Course

The basic accounting short course for small business was put together as a quick accounting survival guide for accounting neophytes.  As small business owners, we may understand debit and credit and the concept of Journals and Ledgers, some of us missed the formal organization of an accounting course.  The course starts with the very basics of accounting and builds up to the trial balance. The next part of this course will review the 3 financial statements including the balance sheet, the P&L and the statement of cash flows.

For those of you new to the topics of finance and accounting a quick terminology refresher may be useful. You may want to see the first course in finance before you start on the accounting materials.

First Course in Corporate Finance

The first course in Corporate Finance introduces concepts of Financial Statements, Time Value of Money, Risk and Return, Opportunity Cost, Cost of Capital, Weighted Average Cost of Capital and Return measures. It includes a case study on Electronic Arts valuation.