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The 4Cs of Credit

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The 4Cs of Credit

JBT is proud to promote the four key elements of Credit. 

Character

The personal character of company principals is essential to a business’ credit behavior, and is made up in part by previous employment, prior business ownership or involvement, and education.

Capacity

Does a company have the financial capacity to meet its obligations?

Capital

Is there enough money in the business?

Cash Flow

In addition to capital and solid net worth, what is the business’ liquidity?
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