_____ is judged largely by the owner's personal credit rating and by that of the business.

Question

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The factor that is judged largely by the owner's personal credit rating and that of the business is character. Character refers to the borrower's reputation and willingness to repay the loan on time. When applying for a loan, the lender will take into account the borrower's credit history, which includes personal credit score, business credit score, and debt-to-income ratio. A good credit score indicates that the borrower has a track record of making timely payments and is less likely to default on the loan.

_____ Is Judged Largely by the Owner's Personal Credit Rating