the five key elements a borrower should have to obtain credit: character (integrity), capacity (sufficient cash flow to service the obligation), capital (net worth), collateral (assets to secure the debt), and conditions (of the borrower and the overall economy).
FIVE C'S OF CREDIT
Meaning of FIVE C'S OF CREDIT in English
Raynet Business and Marketing English glossary. Английский глоссарий компании Raynet Business and Marketing . 2012