1.4 Methods of assessing creditworthiness With the need to assess the creditworthiness of borrowers facing any bank that provides loans. Each potential borrower, which seeking to obtain a loan must undergo this procedure. From the results it dependent of whether he will get credit, and if you will receive, in what volume [49]. Generally credit is the borrower's ability to full and defined in the credit agreement to pay for the period its debt obligations solely of cash generated by Borrowers in the ordinary course of business [35, 49]. Each factor must be defined a specific indicator rather important for banks. However, additional complexity in determining