Which of the following describes individuals or organizations who use products or services provided by a business?

The term that best describes individuals or organizations who use products or services provided by a business is "customers." Customers are essential to any business as they are the consumers who purchase goods and services, driving revenue and growth for the company. They can be individuals buying retail products or businesses acquiring services or products for operational needs.

Suppliers are entities that provide the goods or services that a business needs to operate, which focuses on the supply chain rather than the end user. Clients often refer to those who engage in a professional service relationship, such as with lawyers or consultants, and may carry a connotation of a longer-term engagement compared to one-off purchases made by customers. Investors, on the other hand, are individuals or organizations that provide capital to a business with the expectation of financial return, and they are not directly involved in the consumption of the products or services. Thus, "customers" is the most accurate choice for those who actively use what a business has to offer.