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The best practices for making loans to consumers can be summarized by setting up procedures that follow the five (5) Cs of credit as follows:

* Character (is the prospective borrower ethical, have good values, etc.)

* Capacity (does the prospective borrower generate enough income to pay back the loan)

* Capital (does the prospective borrower have a high enough net work to backstop the debt)

* Collateral (will the prospective borrower use an asset to backstop or secure the debt)

* Conditions (is the borrower in a situation where additional debt makes sense and is the economy supportive of the bank offering such a loan)

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The best practices for making loans to consumers can be summarized by setting up procedures that follow the five (5) Cs of credit as follows:

* Character (is the prospective borrower ethical, have good values, etc.)

* Capacity (does the prospective borrower generate enough income to pay back the loan)

* Capital (does the prospective borrower have a high enough net work to backstop the debt)

* Collateral (will the prospective borrower use an asset to backstop or secure the debt)

* Conditions (is the borrower in a situation where additional debt makes sense and is the economy supportive of the bank offering such a loan)

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It is to generate and close leads, educate prospects, fill needs and satisfy wants of consumers appropriately and therefore turn prospective customers into actual ones.

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Some prospective consumers would probably kill for the Beatles Anthology. But no, fortunately, it is available from iTunes and Amazon. The Beatles Anthology (1995) consisting of 155 track digital sets in 3 two-CD sets costs $79.99, but is currently discounted to $59.85 at Amazon.

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Prospective candidate

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rospective prospective

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