How to decide when to say ‎"‎yes‎"‎ to a credit applicant‎-without jeopardizing your reputation or your company‎'‎s bottom line Deciding whether a credit applicant is ultimately creditworthy involves more than just poring over their financial statements‎-it takes the kind of advice only an experienced credit expert‎,‎ like Hal Schaeffer‎,‎ can give‎.‎ A 28‎-year veteran of the credit screening process‎,‎ Schaeffer outlines the nuts‎-and‎-bolts of assessing a credit applicant‎'‎s financial health and ability to make good on a line of credit‎.‎ In part one‎'‎s clear‎,‎ four‎-part ‎"‎A‎,‎ B‎,‎ C‎,‎ D‎"‎ format ‎(‎A is for Analysis‎,‎ B is for Building Essential Business Credit Information‎,‎ C is for Considering All Factors‎,‎and D is for Decision‎)‎‎,‎ the author examines a prospective borrower from every angle‎,‎ using formulas‎,‎ checklists of what to look for‎,‎ and available outside information sources ‎(‎from Dun & Bradstreet to the Internet‎)‎ to get a genuine picture of an applicant‎'‎s current finances and degree of credit risk‎.‎ Also outlined are the financial‎,‎ credit‎,‎ and business factors that go into a ‎"‎sound business cr‎.‎‎.‎‎.‎