The broad objective of the Course is to improve the capacity of participants to appraise Micro and SME credit requests .Participants will be able to Identify business financing needs of SMEs and understand and apply the key concepts of financial analysis to SMEs risk, particularly through cash flow and budget analysis, They will be able to Identify early warning signs of company distress and adopt appropriate conduct vis--vis SMEs in distress. Introduction to Small and Medium Enterprises Lending Challenges in SME lending Credit Analysis Cash Flow Analysis and Breakeven and Debt Service Ratio Analysis Loan Structuring Loan Documentation Monitoring Problem Loans