Sort The 5 Cs Evidence

Sort each borrower fact into the 5 Cs bucket it primarily supports. Capacity Capital Collateral Conditions Character DSCR fell to 0.92x before owner distributions Owner injected $600,000 of new equity last quarter Bank holds first lien on titled equipment Freight rates are down 18 percent in the borrower's lane Borrower delivered audited statements late three years in a row Two major customers moved from 45-day to 75-day payment behavior Sponsor agreed to subordinate insider debt Collateral has a deep auction market with recent comparable sales

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