text: @Edwin Ashworth - Thank you for the revisions. Seems like we canceled out our edits. I manually added your revisions (and thank you!). EDIT - looks like we did it again. My hands are off the keyboard for a while. Thanks for reminding me of what I forgot, you're helping me become a better writer.
  Econ.SE might be better equipped to suggest a suitable scholarly term.
  Dec 3, 2015 at 18:24
  Might some form with "leverage" be what you are talking about? "[Adjective] leverage"? I don't think it's great, just OK. (I keep going back, also, to "liquidity"...)
  Dec 6, 2015 at 5:41
  Or "financial flexibility"?
  There are a hundred different reasons, good and bad, why person A might or might not loan money to person B. No single term is going to encompass everything.
  answered Mar 29, 2017 at 5:57
  answered Dec 3, 2015 at 16:52
  This is exactly the term I'm trying to avoid. The concept I'm focused on is an influencing aspect to one's credit rating, but I want to make a distinction between the one's social network and the credit rating itself... so that people can readily learn the relationship between each. Notably, the finance involved is outside the banking system, as it's a loan among friends. I never ask my friend for their credit rating if they need a loan to cover their grandma's funeral expenses.
  Dec 3, 2015 at 16:57
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