Evaluate google Inc. and Microsoft form 10k and Consider the source of debtwho supplies the credit? Read the debt footnote and the lease footnote (if the company uses leases). Does it use short- or long-term debt? Is the debt from banks or is it publicly traded? Does the debt carry covenants that provide protection to creditors? Pay special attention to any mention of default or renegotiated covenants as this can indicate a decrease in creditworthiness.