How do prospective lenders minimize the risk of lending to, Other Subject

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How do prospective lenders minimize the risk of lending to

1. How do prospective lenders (including credit card companies) minimize the risk of lending to ventures? What are the 5 C's of credit analysis?

2. Before we discuss the SBA and other specialized lending sources - How important are guarantors in mitigating the risk for a lender? Provide 200 words for each question and a credible reference (no Wikipedia) Direct link http/url preferred.

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Other Subject: How do prospective lenders minimize the risk of lending to

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