A lender may be protected from deterioration of the borrower's creditworthiness if the commercial lending agreement requires the borrower to maintain a

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Requiring the borrower to maintain a current ratio above a certain level indicates that they must have enough current assets to cover their current liabilities. This is a measure of liquidity and is a good indicator of the borrower's ability to meet their financial obligations. If the borrower is unable to maintain this ratio, it could signal financial problems and may trigger default provisions in the loan agreement. Thus, a lender may be protected from deterioration of the borrower's creditworthiness if the commercial lending agreement requires the borrower to maintain a current ratio above a certain level. The other options, such as return on assets, return on equity, and accounts receivable turnover, are measures of profitability and efficiency, but may not provide sufficient protection to the lender against credit deterioration.

A Lender May Be Protected from Deterioration of the Borrower's