Why do some lenders only talk about the four Cs of credit?
Since not all of the Cs are relevant to all types of loans, some lenders only consider four of the five Cs of credit. Which Cs they consider depends on the type of loan and lender.
For example, a lender won’t consider collateral if you apply for an unsecured loan. Capital also might not apply if you can’t make a personal investment in the item or project you want to fund.
When applying for a loan, consider all of the Cs that apply to your unique situation to make the most of your application.