You have to decide whether to provide credit or not . 1.Character of the person and the organization . Also the relationship that can be developed 2.Capacity to pay back .This will also include capital and profitability Also turnover , asset size , 3.Collateral - can he provide the same 4.Reliability and continuity of the management 5.Financial reporting and transparency 6.Industry risk 7.Asset liquidity
Compendium on Work, Health , Learning , Social and Spiritual Aspects of Leading a Complete Life