Mr. Ruckman is a small business owner that is thinking about expanding his business. In his college and younger years, he struggled financially which ruined his credit score at a whopping 550, even after he has been recovering it for some time. AT this point in his life, he is slowly paying back his debts and his new business is thriving. He wants $100,000 for the loan so he can build on to the building. Would you lend the money? Why or why not?