When the Availability of Credit Becomes Limited,which of the Following

When the availability of credit becomes limited,which of the following is most likely to be the result for commercial borrowers?

A) stringent classification of assets in terms of retention by the business
B) stringent requirements to maintain inventory and book debts at specified levels
C) stringent lending terms affecting fees, rates, and monitoring of performance
D) requirements to submit financial reports and maintain specified debt/equity ratios