Assume that you are a banker and an applicant has approached you for a small business loan. Analyze the following facts from the perspective of the "five C's" of credit analysis. Include in your answer any other information you would want to know from the applicant. [Answer in about 5-6 sentences.] Assume that someone with a new business has presented you with the following information: - The applicant owns 2 restaurants and has been in business for 3 years. - They are requesting a loan of $75,000 to upgrade the decor of the 2 restaurants in order to compete with the 2 new restaurants in the areas. - The business was started with their own savings of $100,000 plus loans from family totalling $50,000 - Their kitchen equipment is pledged to guarantee the loan, and a friend with good credit has agreed to cosign the loan. - The applicant's credit score is about 650