In today’s dynamic business environment, small and medium-sized enterprises (SMEs) face numerous challenges, particularly in accessing timely financial education and managing their loan obligations effectively. The integration of artificial intelligence (AI) in financial services has opened new avenues for enhancing financial literacy and streamlining loan management processes for SMEs. This article explores how AI-powered tools are revolutionizing financial education and loan management strategies, empowering SME owners to make informed decisions and achieve sustainable growth.