Credit

Credit is a term used to denote transactions involving the transfer of money or other property on promise of repayment.

Capacity to repay, capital, collateral, conditions, and character, are referred to as the "Five Cs of Credit".

A credit rating evaluates the credit worthiness of a debtor, specifically a business (company), individual, or a government.

Debt compliance describes various legal measures taken to ensure that debtors honor their debts.

The economic collapse of 2008 had substantial impacts on the banking industry and the availability of credit for borrowers.