Now analyze the data. Your mulitplier would reduce as their creditworthiness, financial health and other factors decreased. If you do not have a customer's financial statement, then assigning a line of credit becomes more of an educated guess. Everyone has their ideas on that. But some of the big things to consider are time in business, bank and trade experience, profitability of customer, etc.
Little things can be very important.
If the bank has them secured and guaranteed fully, then you know that they have them secured for a reason and probably not as good of a risk. It is very difficult for me to generalize much more without spending a great deal of time on this. Maybe the Creditworthy News subscribers can also provide some assistance on this subject. Thanks and good luck.