In the Credit Evaluation, the 5 Cs that should be considered are:
- Capital: Ability to pay
- Character: Willingness to pay
- Capacity: Ability to turn business into profit
- Condition: Business and trading environment
- Collateral: Guarantee available
| Evaluation Criteria | Measurement |
| Capital |
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| Character |
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| Capacity |
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| Condition |
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| Collateral |
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FCCA,CA(MIA)with more than 26 years of post-qualifying working experiences. Previous working stints with one of the big accounting four, Regional GFC & Group Treasurer in a group of Malaysian and Group CFO in Singapore public listed concern.
Also author to another very popular free educational accounting cum finance blog: http://basiccollegeaccounting.com under the branding of College Accounting Coach.
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