Which of the Following Is TRUE? the Most Important Factor

Which of the following is TRUE? The most important factor that a creditor considers in making its decision to grant credit to a debtor is

A) whether other creditors have already taken security interests in the assets of the debtor.
B) whether someone can be found who will give a personal guarantee of the debtor's obligation to the creditor.
C) whether the debtor is a corporation.
D) the assets that the debtor has.
E) whether the debtor will be able to pay the credit obligation.