Why Did the Neutrality Act of 1939 Favor Britain and France

Why did the Neutrality Act of 1939 favor Britain and France?

A) Because it allowed the United States to trade with nations adhering to standards of democracy.
B) Because the act allowed bank loans to nations with preferred credit, which Roosevelt determined Germany did not have.
C) Because their merchant ships could reach the United States, but the Royal Navy would prevent German ships from trading with America.
D) Because America promised to defend the possessions of Britain and France in the Western Hemisphere.