The 5 c's of credit include: i. collateral and capacity ii. conditions, capital and consideration iii. collateral and credit score iv. character and conditions v. consistency and capacity

The 5 C's of credit include

Option I and IV

Explanation:

The five C's, or characteristics, of credit are as follows,

These are the framework used by most of the traditional lenders to estimate the potential (creditworthiness) of small-business borrowers.

Capacity: The ability of the borrower to repay the loan. It is evaluated from the benchmarks, financial metrics, borrowing and repayment history, credit score.

Character: The general credibility, trustworthiness and personality of the borrower from the lender's perspective. It is estimated from the credit history, work experience, references, credentials, reputation or interaction with lenders.

Capital: This is the total sum invested in the business by the owner or the partnership management.

Collateral: The assets that are used to secure and guarantee the loan. It is calculated from the hard assets like real estate or equipment; working capital, namely accounts receivable and inventory.

Conditions: The status of the borrowers business (growing or faltering). It evaluates the industry and economic trends that would affect the business and repayment of the loan.

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