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This research implements business intelligence models through structured qualitative and quantitative data to predict liquidity management process in short-run by recognizing the relevance of Small and Medium Enterprises (SMEs) organizational behavioral patterns operating in Albanian trade sector. Thus, in a sample of 33 trading SMEs there is contemporary predicted the volatility of working capital, receivables accounts turnover ratio, money conversion cycle and net profit margin at 95% confidence level through a radial basis function by examining some liquidity, operational efficiency, risk and growth ratios. The results demonstrate that for an efficient liquidity management process it should be taken in consideration the operative efficiency and risk areas, then, equity origin, firm size, collateral value as well as borrowers’ status in interaction with organizational behavioral patterns in order to ensure profitability enhancement. Thereby it can be traced the approach how these kinds of businesses survive, grow-up and mature by ensuring performance goals.
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