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Which is a viable substitute for solid creditworthiness when considering the quality of a potential agribusiness loan? Collateral. II . Guarantees. III. Covenants. IV .

Which is a viable substitute for solid creditworthiness when considering the quality of a potential agribusiness loan?
Collateral.
II. Guarantees.
III. Covenants.
IV. Nothing.
II and III only.
I and II only.
I, II and III only.
IV only.
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