What are the 5 Bs in finance used for evaluating a borrower's creditworthiness?

Borrower: Assessment of the individual's or entity's financial history, credit score, and overall financial stability. Business: Understanding the borrower’s business model, industry position, and overall health of the business. Bank: Evaluating the financial institution providing the loan, including its policies, loan products, and the borrower-bank relationship. Bonds: Considering any bonds or guarantees that may back the loan, including collateral provided to secure the debt. Balance Sheet: Analyzing the borrower's balance sheet to assess their assets, liabilities, and equity, which provides insights into financial health and repayment ability.