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Moody's Small Business Lending (SBL)


What You'll Learn

The Moody's Small Business Lending course is specifically designed with small business lenders in mind. Through a combination of innovative online learning tools, students will gain the knowledge they need to guide small business owners in the financial aspects of their operations. Students will gain the knowledge and confidence required to:

  • Identify business lending opportunities
  • Understand small business operations, the construction of financial statements and general accounting principles
  • Review financial ratios and understand their value in assessing business strengths and weaknesses
  • Align owners' personal financial situations with their businesses

Additionally, the course assesses the lender's ability to work through a real business lending scenario through a practical simulation of the full application, analysis, and decision process.

Who should enrol?

You should enrol in this course if you currently are, or aspire to be a Small Business Banker, Small Business Account Manager or Branch Manager.

About the Exam

The SBL exam is completely online and accessible through your online course. Advance booking is not required.

Upon completion of the Moody's Small Business Lending course, learners will gain a deeper understanding of businesses and their borrowing needs, evaluate risks, and make good credit decisions.

Topics covered in the course include:

  • Financial Risk Assessment
    • Credit Analysis Foundation – Financial Risk
    • Businesses and Their Borrowing Needs
    • Profitability Ratios
    • Activity Ratios
    • Capital Spending, Leveraging, and Debt Coverage
    • Cash Flow Analysis and Projections
    • Personal Financial Statements
    • Personal Financial Ratios
  • Market Risk Assessment
    • Credit Analysis Foundations – Market Risk
    • Business Environment
    • Competition
    • Company Vulnerability
  • Management Risk Assessment
    • Credit Analysis Foundations – Management Risk
    • Management Integrity and Scope
    • Management Skill and Execution
Approximate Hours of Study**
Hours of Study 20 - 30 hours

** Please note that these are only recommended hours of study developed based on research and our course content, however, this does not mean that some students with exceptional backgrounds would not take less time than recommended or that students with no background at all in finance or economics would not take longer than the maximum.

How you'll learn

The course is taught online and is composed of 15 modules representing the topics of study. Each module consists of:

  • A module introduction video to highlight the key concepts taught.
  • A diagnostic test to help you identify areas where you should focus your studies.
  • 2 to 4 interactive lessons (video/games), each estimated to take 20 to 30 minutes. Each lesson ends with a quiz to help reinforce the concepts reviewed in the lesson.
  • An end of module online exam, to test your mastery of the principles in the module.

Simulation exercise: The simulation assesses the lenders ability to apply what they'd learned by working through a real business lending scenario. You are required to gather data, analyze credit risk and recommend a loan decision and structure, and then compare your decisions and recommendations with those of an expert.

ONLINE TEST ASSESSMENTS At the end of each module you will be required to complete the "module exam" to test your mastery of the principles in the module. Students must score at least 60% on all 15 tests in order to show the course as successfully completed to earn a passing grade.
Number of Module Exams 15
Test Format Online
Test Length Varies - 15 minutes to 27 minutes
Question Format Multiple Choice and True/False
Questions Per Test Varies
Attempts Allowed Per Test 3
Passing Grade 60%
Enrolment Period 1 year

Continuing Education (CE) Credits

Click the links below or the buttons at the top of the page on the right side to access CE accreditation information. To search for specific course information, press Ctrl + F and then enter the course name to search the document for the information you are interested in.

National/Provincial (Excluding Quebec)
Download CE Chart (PDF, 163 kb)

Quebec (IQPF/CSF)
Download IQPF/CSF Chart (PDF, 182 kb)

Please note: While CSI makes every effort to ensure that the information is up-to-date, we are unfortunately unable to fully guarantee its accuracy. The information listed in the charts above may be subject to change.

For details on the organizations and other information on CE Credits listed in the above charts, please click here.