Assessment of the quantitative aspects is based on the factual information available from the financial statements, the past records of the fine, and on. The first step involved in this type of assessment is to prepare an Agillg Schedule of the accounts payable of the applicant as calculate the average age of the accounts payable. This exercise will give a insight into the past .payment pattern of the customer. Another step in analyzing the credit information is through a ratio analysis of the liquidity, profitability and debt capacity of the applicant., These ratios should be compared with the industry average. Moreover, trend a period of time would reveal the financial strength of the customer.