Two people walk into a bank. Person 1 is 55 years old, on social security, with a total income of 40K per year and assets of around $100,000. Person 2 is 55 years old, owns a business which employee's 15 people with an average salary of $45,000 per employee, gross sales of 2.2m per year, and a net profit of around $220,000 per year. The owner makes around 500K per year. Both ask the bank for a loan of $400,000 with nothing more than a signature promise to pay it back. The term is 20 years, with interest that would work out to a payment of around $2,000 per month. You have to give one person the loan and you are responsible to your management to ensure it gets paid back. Both have excellent credit and give you no other negative marks against them. Who gets the loan?