Credit training · asset & commercial finance

Analyse better. Present smarter. Get approved.

Hands-on training that teaches underwriters and brokers to read the accounts, spot the warning signs and make well-judged lending decisions.

Credit Skills Intermediate training session
Latest courseCredit Skills Intermediate2 days · all delegates certified
30+ yearsAsset & motor finance
12 modulesFrom accounts to credit paper
In-houseTailored to your credit policy
Recent delegates from
Synergy Commercial FinanceClose BrothersAsset Finance Solutions (UK)
Who we work with

Training and risk support across asset and commercial finance.

The curriculum

From the numbers to the decision.

Delegates work through real underwriting scenarios, not slides. They leave able to build a credit case and defend it.

Plan a course for your team →
01
Accounting fundamentalsBasic accounting principles and reporting requirements.
02
Reading the accountsP&L, balance sheet and management accounts: what they really say.
03
Entities & group structuresSole traders, partnerships, limited companies and groups: who owns what, and where the money sits.
04
Ratios & financial analysisThe ratios that matter for lending, read in context.
05
Understanding cashflowProfit isn't cash. Test whether the customer can service the debt.
06
Information & bank statementsAsk for the right information, then see how the business really trades.
07
Credit searches & reportingTake a credit search apart and turn it into clear reporting.
08
Asset, supplier, customerKnow all three, and weigh the cost-benefit of the purchase.
09
Finance productsHire purchase, finance and operating leases, and which one fits.
10
Warning signs & red flagsWhat's easy to miss under deadline pressure.
11
Assessing riskWeigh the business, the asset and the structure.
12
Credit submissionsA clear, complete paper credit committees can say yes to.
Courses

Three levels. One clear path from new starter to credit committee.

Every course is certified, practical, and can be run in-house around your own deals.

Level 1
1 day

Credit Skills Foundation

For new starters, sales and support teams who need to understand the numbers.

You'll be able to
Read a P&L and balance sheet with confidence
Tell sole traders, partnerships and limited companies apart
Explain the main finance products
✓ Certificate of completionEnquire →
Level 2
Most popular2 days

Credit Skills Intermediate

For underwriters and brokers with some experience, ready to analyse deals properly.

You'll be able to
Use ratios and cashflow to test affordability
Spot red flags in accounts and credit searches
Work real underwriting scenarios end to end
✓ Certificate of completionEnquire →
Level 3
2 days

Credit Skills Advanced

For senior underwriters and credit managers who sign off larger, complex deals.

You'll be able to
Untangle group structures and guarantees
Write credit papers committees approve
Assess portfolio and concentration risk
✓ Certificate of completionEnquire →

Three ways to train your team.

On site

In-house training days

At your offices, built around your products, credit policy and live deals.

Book a day →
Open courses

Credit Skills courses

Two-day courses like Credit Skills Intermediate, hosted by industry partners.

Ask about dates →
Coming soon

Online course

Self-paced, with per-seat company licences billed monthly.

Join the waitlist →
Try it yourself

Think like an underwriter.

Sample accounts · £000Northway Haulage Ltd
Last yearThis year
Turnover2,1002,400
Net profit140180
Trade debtors310640
Cash at bank9512
HMRC liabilities60210
Director’s loan (owed to company)0150
A fictional business, for illustration.
Question 1 of 3

Sales are up 14% and profit is up. Which line should worry you most?

Interim & contract cover

Hiring a Senior Credit Officer? Don't leave the seat empty.

A senior credit or risk hire can take 3–5 months to land. Interim cover keeps your business secure until they start: full time, part time or consultancy.

Immediate startReferences available30+ years asset & motor finance
Discuss interim cover →
Typical senior hire3–5 months
2 wksAdvertise
2 wksInterview
2 wksAppoint
up to 3 monthsNotice period: the seat sits empty
Interim cover starts straight away and runs until your hire arrives.
Areas of experience
Credit & risk managementUnderwriting, analysis, credit papers, credit committees.
Portfolio managementOversight of book quality, arrears and concentration.
Risk reportingClear reporting for boards, funders and committees.
Governance documentationCredit policies, frameworks and risk appetites.
Due diligence & Line 2Independent second-line review and assurance.
Stock financeAssessing, structuring and monitoring stock facilities.
TrainingIn-house credit training for underwriters and brokers.
Project managementChange and improvement projects in credit and risk.
From a recent course

Two days, plenty of numbers, every delegate certified.

Delegates from Synergy Commercial Finance, Asset Finance Solutions (UK) and Close Brothers worked through ratios, red flags and cashflow, then applied it to real underwriting scenarios.

Credit Skills Intermediate delegates with certificates
Poppy the dog with her honorary certificate
Honorary delegatePoppy also passed. Credit where credit's due.
Coming soon · Digital certificates

Soon, every delegate will get a certificate they can share on LinkedIn.

Each one will have a unique ID, so it can be verified. Your team's development, on show.

Credit Skills IntermediateTulip Asset Finance Consultancy · Issued Sep 2026ID TAF-CSI-290926-A-002+ Add to LinkedIn profile · coming soon
What delegates say

In their words.

“The two-day Credit Skills Intermediate course completely changed how I read a set of accounts. I went back to my desk and re-ran three existing deals the very next morning.”
Sarah WhitmoreSenior Credit Analyst, Ridgeway Commercial Finance
“Tulip’s ratio checker and worked examples are exactly how training should be — practical, honest and no jargon. My team presents credit papers with far more confidence now.”
James OkaforUnderwriting Manager, Northgate Asset Finance
“We booked Tulip for in-house training across two offices and every delegate rated it excellent. The interim credit cover has also been a lifeline during our recruitment freeze.”
Linda HargreavesOperations Director, Ashcourt Leasing Group
Coming soon · Online course preview

A first look at the online course, coming soon.

Bite-size lessons, real sample accounts and progress tracking for every seat on your team licence.

learn.tulipassetfinance.com
Credit Skills Intermediate
Your progress42%
✓01Reading the accounts
✓02Ratios & analysis
✓03Entities & groups
04Understanding cashflow
05Bank statements
06Warning signs
Team licence9 of 12 seats active
Module 04 · Lesson 3 of 5Preview · coming soon

Profit isn't cash

▶Lesson video · 6 min
Key takeawayA profitable business can still run out of cash. Always check debtor days and the bank statements, not just the P&L.
Quick check: 2 questionsNext lesson →
Coming soon:Per-seat monthly licencesProgress dashboard for managersCertificate on completion
Coming soon · Online course

Credit skills for your whole team, on demand.

The same practical approach, self-paced. Per-seat company licences billed monthly, so new starters are trained from day one.

Get early-access pricing
Robert with delegates at an asset finance underwriting session
About

Taught by someone who has made the lending decisions.

Tulip Asset Finance Consultancy is the practice of a freelance senior risk professional with over 30 years in UK asset and motor finance.

Every session has one goal: delegates leave with the skills to make well-judged lending decisions, and the confidence to explain them.

Get in touch

Let's plan your team's training.

Tell us about your team. We'll come back with dates, a suggested agenda and a quote.

Or email Robert directlyrobert@tulipassetfinance.com
Prefer to talk?Book a 20-minute call with RobertPick a time that suits you. No obligation.Pick a time →