Understanding commercial lending products is essential for anyone involved in business finance. In Australia’s fast-evolving credit landscape, the ability to evaluate and apply the right commercial lending solution can mean the difference between a business that survives and one that thrives.

This advanced online course offers a comprehensive, practical guide to commercial lending products tailored for new finance professionals and small business owners. You’ll explore the structure, purpose, and suitability of various commercial lending products, including term loans, equipment finance, invoice finance, and trade finance. The course also covers the regulatory environment, lender assessment practices, and real-world scenarios to build confidence in selecting and evaluating financing solutions.

Whether you’re working in banking, managing a growing enterprise, or advising clients, this course will equip you with the knowledge to make informed, strategic decisions about commercial lending products in the Australian market.

Who should enrol?

• New or aspiring finance professionals (credit, banking, or lending roles)

• Small business owners or entrepreneurs seeking funding

• Business consultants and financial advisors

• Professionals preparing to interact with commercial lenders

What you’ll learn

By the end of this course, you will be able to:

1. Describe the key commercial lending products available in Australia and their typical use cases.

2. Compare and contrast the features, benefits, and risks of different loan types for business scenarios.

3. Apply regulatory guidelines and credit assessment principles to evaluate loan suitability and borrower risk.

4. Critically assess commercial lending proposals and identify factors that influence lender decisions.

Key topics covered

• Overview of commercial lending in Australia

• Business loans, equipment finance, overdrafts, invoice and trade finance

• The lending process: application, assessment, documentation

• Regulatory frameworks (APRA, ASIC, AML/CTF, responsible lending)

• Credit analysis and risk assessment fundamentals

• Practical case studies and decision-making frameworks

Course format

• Self-paced, 100% online

• Certificate of completion provided