From a lender's perspective, which of the following is true if a borrower is untested and potentially high-risk?

a) The lender would expect lower returns.
b) It is impossible to know what kind of returns a lender would expect. Everyone is different.
c) The lender should strive for a mid-range return.
d) The lender would expect greater returns.
e) Risk has nothing to do with the returns a lender would expect.