Lenders use rigorous policies and analyses when determining if and how much money to lend to clients. The methods used by lenders are often summarized by categorizing lending analysis as the five Cs of credit. The five Cs of credit are character, capital, capacity, conditions and collateral. Lenders use the five Cs for specific reasons respective to each category, but all are utilized to understand the risk of default on a loan. Character: It is important to a lender to have