أنشئ حسابًا أو سجّل الدخول للانضمام إلى مجتمعك المهني.
If we are talking about THE best factor then it would be track record / credit history of the company / promoters.
The best way to judge is to analyze the credit history of the customer. In case of a customer without credit history, his financial soundness to repay his/her debt.
The best element to analyse credit customer is his willingness to repay, which is subjective, unlike his ability to repay.
