Pull a D&B and then find out the company’s current asset and liability position , amount of COH / liquidity of all assets, set up an informal interview with the CFO or controller if possible, time in business, any legal issues to note, then pull all that information together to determine credit worthiness. There is not set formula but when you underwrite loans or even do collections for a living you get a sense of the whole picture when u pull all pieces together and got from there. Never disregard you guy . What is your impression? The more info the better of you are and the better paper you’ll write for your bosses