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Answer (C) is correct . Grand’s primary concern is the customer’s ability to pay a loan back. Crucial in deciding the likelihood of payback is how much of the customer’s capital structure is made up of debt currently, that is, before the loan is made. Reston’s is well below the industry average (a few percentage points can mean the difference between a good credit risk and a poor one) and is the lowest of the three potential customers. Also, Reston is clearly the least leveraged of the three by far, as revealed by its low degree of financial leverage.

Answer (A) is incorrect because Reston is a good credit risk.
Answer (B) is incorrect because Debt makes up more than half of Springfield’s capital structure; “approximating industry averages” is meaningless when just a few percentage points can mean the difference between a good credit risk and a poor one.
Answer (D) is incorrect because While a high profit margin may be indicative of the ability to pay back a loan, a high degree of financial leverage indicates the opposite, and Herndon’s is well above the industry average.