In an estimation of value of the paper offered for the discount it is necessary to consider

Full own capital of the borrower
In an estimation of value of the paper offered for the discount it is necessary to consider following points:
Full own capital of the borrower.
Character of its business; whether it is speculative or the basic.
The report of the borrower both standing in community and its business habits.
Whether it is in the enterprise abreast with modern ideas and methods.
Character of the goods belongs to the borrower. What would it sell by auction? The groceries and raw materials can usually turn to cash at compulsory sale with very small discount from the current prices. Not so with hardware, a glass, dry goods, boots and boots, books, etc. Cars and fastenings not a suitable active to the account to base the credit.