BANK LOAN RATING
LOAN evaluation and approval is the process a business or an individual must go through to become eligible for a LOAN or to pay for goods and services over an extended period. It also refers to the process businesses or lenders undertake when evaluating a request for LOAN. Granting LOAN approval depends on the willingness of the LOAN or to lend money in the current economy and that same lender's assessment of the ability and willingness of the borrower to return the money or pay for the goods obtained— plus interest—in a timely fashion. Typically, small businesses must seek LOAN approval to obtain funds from lenders, investors, and vendors, and also grant LOAN approval to their customers.
EVALUATING LOAN WORTHINESSIn general, the granting of LOAN depends on the confidence the lender has in the borrower's LOAN worthiness. LOAN worthiness—which encompasses the borrower's ability and willingness to pay—is one of many factors defining a lender's LOAN policies. LOANers and lenders utilize a number of financial tools to evaluate the LOAN worthiness of a potential borrower. When both lender and borrower are businesses, much of the evaluation relies on analyzing the borrower's balance sheet, cash flow statements, inventory turnover rates, debt structure, management performance, and market conditions. LOANers favor borrowers who generate net earnings in excess of debt obligations and any contingencies that may arise.
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