Why would a bank be reluctant to loan money to a business that already had a lot of debt?

a. The loan will likely have a high interest rate.
b. Debt is a sign that the business is about to fail.
c. A business with a lot of debt may have trouble paying it back.
d. Business are only allowed to a certain amount of debt at once.

c. A business with a lot of debt may have trouble paying it back.