When deciding to lend money $($or not$),$ lenders often consider the expertise of the company, its history of generating profit, and the years it has run a successful operation.$$ The less experienced a company is$,$ the more a lender expects to get back.$$ The more experienced and adept a company is$,$ the lender does not demand such a high interest.$$ What is this principle called?

Mike: $$100$ in February, $$200$ in March, $$250$ in April

Dustin: $$50$ in February, $$250$ in March, $$300$ in April

Lucas: $$75$ in February, $$325$ in March, $$175$ in April

Will: $$250$ in February, $$250$ in March, $$20$ in April

Max: $$300$ in February, $$25$ in March, $$300$ in April

If you were using the Payback Period Method of capital budgeting, which friend would you decide to loan the $$500$ to$?$