Stampedes A/R turnaround days and payables turnaround days are higher and lower than the industry benchmarks respectively. Despite this, why is this not considered a warning signal against lending to the company?

1.Stampedes performance ratios are not far enough from industry benchmarks to be a concern.

2.Stampede purposely extends favorable payment terms to one of their key customers as part of its business strategy.

3.Stampede operates at a large enough scale that we are assured that loan payments will be made, despite suboptimal performance ratios.

4.Stampedes credit application is over-secured so small warning signals like these ratios are ultimately insignificant to the application.