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4. Short-Term Financing Overview of Short-Term Financing ] Overview of Short-Term Financing Free to share, print, make copies and changes. Get yours at www.boundless.com

5. Overview of Short-Term Financing > Short-Term Financing Short-Term Financing • Short-Term Loans • Credit Cards • Factoring Accounts Receivable • Commercial Paper • Secured vs. Unsecured Funding • Family and Friends • Commercial Banks • Trade Credit or Accounts Payable Free to share, print, make copies and changes. Get yours at www.boundless.com www.boundless.com/finance/textbooks/boundless-finance-textbook/overview-of-short-term-financing-19/short-term-financing-130/

6. Appendix Free to share, print, make copies and changes. Get yours at www.boundless.com

7. Overview of Short-Term Financing Key terms • AssetsAn asset is something of economic value. Examples of assets include money, real estate, and automobiles. • benchmarkA standard by which something is evaluated or measured. • collateralA security or guarantee (usually an asset) pledged for the repayment of a loan if one cannot procure enough funds to repay. (Originally supplied as "accompanying" security. ) • collateralA security or guarantee (usually an asset) pledged for the repayment of a loan if one cannot procure enough funds to repay. (Originally supplied as "accompanying" security. ) • credit cardA plastic card with a magnetic strip or an embedded microchip connected to a credit account and used to buy goods or services. It's like a debit card, but money comes not from your personal bank account, but the bank lends money for the purchase based on the credit limit. Credit limit is determined by the income and credit history. Bank charge APR (annual percentage rate) for using of money. • factoringA financial transaction whereby a business sells its accounts receivable to a third party (called a factor) at a discount. • financial institutionIn financial economics, a financial institution is an institution that provides financial services for its clients or members. • London Interbank Offered Ratethe average interest rate estimated by leading financial instiutions in London that they would be charged if borrowing from others • money marketA market for trading short-term debt instruments, such as treasury bills, commercial paper, bankers' acceptances, and certificates of deposit. • supplierOne who supplies; a provider. • venture capitalmoney invested in an innovative enterprise in which both the potential for profit and the risk of loss are considerable. Free to share, print, make copies and changes. Get yours at www.boundless.com

8. Overview of Short-Term Financing Credit card A credit card is a payment card issued to users as a system of payment. Free to share, print, make copies and changes. Get yours at www.boundless.com Flickr."All sizes | Hand-painted credit card | Flickr - Photo Sharing!."CC BYhttp://www.flickr.com/photos/brettlider/214336918/sizes/m/in/photostream/View on Boundless.com

9. Overview of Short-Term Financing Family Asking friends and families to invest is another common way that start-ups are funded. Free to share, print, make copies and changes. Get yours at www.boundless.com Adventure Jay."- Playing Tourist in Santa Fe with the Family."CC BYhttp://adventurejay.com/blog/index.php?entry=entry120528-203311View on Boundless.com

10. Overview of Short-Term Financing Credit Accounts Payable (also known as Creditors) is money owed by a business to its suppliers. Free to share, print, make copies and changes. Get yours at www.boundless.com Go Banking Rates."Best Credit Card Rates | Compare the Best Credit Card Offers."CC BYhttp://www.gobankingrates.com/credit-card-rates/View on Boundless.com

11. Overview of Short-Term Financing US Commercial Paper 2001-2007 United States Commercial Paper outstanding at end of each year 2001 to 2007. Vertical scale shows debt in millions of dollars, horizontal scale shows years. All markers indicate commercial paper outstanding, maturing after December 31. Circles on blue line indicate Total commercial paper; triangles diamonds on pink line indicate SEC rule 2a-7 tier-1 commercial paper; triangles on blue line indicate Asset-backed commercial paper; squares on yellow line indicate SEC rule 2a-7 tier-2 commercial paper. Free to share, print, make copies and changes. Get yours at www.boundless.com Wikipedia."United States Commercial Paper 2001 to 2007 titles."Public domainhttp://en.wikipedia.org/wiki/File:United_States_Commercial_Paper_2001_to_2007_titles.svgView on Boundless.com

12. Overview of Short-Term Financing Free to share, print, make copies and changes. Get yours at www.boundless.com My Home Ireland."Should we provide support for those in mortgage debt?– MyHome.ie Blog."CC BYhttp://blogs.myhome.ie/2010/11/15/should-there-be-a-mortgage-debt-forgiveness-plan/View on Boundless.com

13. Overview of Short-Term Financing Money Factoring makes it possible for a business to readily convert a substantial portion of its accounts receivable into cash. Free to share, print, make copies and changes. Get yours at www.boundless.com Stock.KCHNG."The Leading Source Of Free Stock Photos - stock.xchng."License: Otherhttp://www.sxc.hu/View on Boundless.com

14. Overview of Short-Term Financing Weekly Commercial Paper Outstandings Free to share, print, make copies and changes. Get yours at www.boundless.com Wikipedia."Commercial Paper - Fed Data."Public domainhttp://en.wikipedia.org/wiki/File:Commercial_Paper_-_Fed_Data.pngView on Boundless.com

15. Overview of Short-Term Financing Commercial banks A commercial bank (or business bank) is a type of financial institution and intermediary. Free to share, print, make copies and changes. Get yours at www.boundless.com Flickr."All sizes | Industrial and Commercial Bank of China, Zhongshan Square Branch, Shenyang | Flickr - Photo Sharing!."CC BYhttp://www.flickr.com/photos/kernbeisser/573204910/sizes/m/in/photostream/View on Boundless.com

16. Overview of Short-Term Financing US Commercial Paper Weekly 2001-2008 United States Commercial Paper outstanding at end of each week from 3 January 2001 to 29 October 2008. Vertical scale shows debt in billions (thousands of millions) of dollars, horizontal scale shows years. Each blue marker indicates commercial paper outstanding at that date which matures after one week. Free to share, print, make copies and changes. Get yours at www.boundless.com Wikipedia."United States Commercial Paper Weekly 2001 to 2008 titles small."Public domainhttp://en.wikipedia.org/wiki/File:United_States_Commercial_Paper_Weekly_2001_to_2008_titles_small.svgView on Boundless.com

17. Overview of Short-Term Financing Payday Loan store Payday loan stores offer short term loans Free to share, print, make copies and changes. Get yours at www.boundless.com Wikimedia."Guaranteed Payday Loans-Cash Money Store."CC BY-SAhttp://commons.wikimedia.org/wiki/File:Guaranteed_Payday_Loans-Cash_Money_Store.jpgView on Boundless.com

18. Overview of Short-Term Financing Attribution • Wikipedia."Commercial paper."CC BY-SA 3.0http://en.wikipedia.org/wiki/Commercial_paper • Wikipedia."Asset-backed commercial paper."CC BY-SA 3.0http://en.wikipedia.org/wiki/Asset-backed_commercial_paper • Wikipedia."Promissory note."CC BY-SA 3.0http://en.wikipedia.org/wiki/Promissory_note • Wiktionary."money market."CC BY-SA 3.0http://en.wiktionary.org/wiki/money_market • Wikipedia."Factoring (finance)."CC BY-SA 3.0http://en.wikipedia.org/wiki/Factoring_(finance) • Wiktionary."factoring."CC BY-SA 3.0http://en.wiktionary.org/wiki/factoring • invoicefactoringusa Wikispace."Avoid IRS Liens and Penalties by Accounts Receivable Factoring."CC BY-SA 3.0http://invoicefactoringusa.wikispaces.com/Avoid+IRS+Liens+and+Penalties+by+Accounts+Receivable+Factoring • accounts-receivable-3737 Wikispace."Utilizing Accounts Receivable Factoring to Improve Your Cash Flow."CC BY-SA 3.0http://accounts-receivable-3737.wikispaces.com/Utilizing+Accounts+Receivable+Factoring+to+Improve+Your+Cash+Flow • Wikipedia."Credit card."CC BY-SA 3.0http://en.wikipedia.org/wiki/Credit_card • Wiktionary."credit card."CC BY-SA 3.0http://en.wiktionary.org/wiki/credit_card • Wikipedia."Commercial bank."CC BY-SA 3.0http://en.wikipedia.org/wiki/Commercial_bank • Wiktionary."collateral."CC BY-SA 3.0http://en.wiktionary.org/wiki/collateral • Wikipedia."Accounts payable."CC BY-SA 3.0http://en.wikipedia.org/wiki/Accounts_payable • Wikipedia."Trade credit."CC BY-SA 3.0http://en.wikipedia.org/wiki/Trade_credit • Wiktionary."supplier."CC BY-SA 3.0http://en.wiktionary.org/wiki/supplier • Wikipedia."Credit (finance)."CC BY-SA 3.0http://en.wikipedia.org/wiki/Credit_(finance)%23Trade_credit • Wikipedia."Person-to-person lending."CC BY-SA 3.0http://en.wikipedia.org/wiki/Person-to-person_lending Free to share, print, make copies and changes. Get yours at www.boundless.com

19. Overview of Short-Term Financing • Wikipedia."financial institution."CC BY-SA 3.0http://en.wikipedia.org/wiki/financial%20institution • OpenStax CNX."Global Text Project, Business Fundamentals. September 17, 2013."CC BY 3.0http://cnx.org/content/m35492/latest/?collection=col11227/1.4 • Wikipedia."Unsecured debt."CC BY-SA 3.0http://en.wikipedia.org/wiki/Unsecured_debt • Wikipedia."Loan."CC BY-SA 3.0http://en.wikipedia.org/wiki/Loan • Wikipedia."Secured loan."CC BY-SA 3.0http://en.wikipedia.org/wiki/Secured_loan • Wikipedia."Payday loans."CC BY-SA 3.0http://en.wikipedia.org/wiki/Payday_loans • OpenStax CNX."Global Text Project, Business Fundamentals. September 17, 2013."CC BY 3.0http://cnx.org/content/m35492/latest/?collection=col11227/1.4 • Wikipedia."Assets."CC BY-SA 3.0http://en.wikipedia.org/wiki/Assets • Wikipedia."Bridge loan."CC BY-SA 3.0http://en.wikipedia.org/wiki/Bridge_loan • Wikipedia."London Interbank Offered Rate."CC BY-SA 3.0http://en.wikipedia.org/wiki/London_Interbank_Offered_Rate • Wikipedia."Money market."CC BY-SA 3.0http://en.wikipedia.org/wiki/Money_market • Wikipedia."Credit card."CC BY-SA 3.0http://en.wikipedia.org/wiki/Credit_card • Wikipedia."Payday loan."CC BY-SA 3.0http://en.wikipedia.org/wiki/Payday_loan • Wikipedia."Overdraft."CC BY-SA 3.0http://en.wikipedia.org/wiki/Overdraft • Wikipedia."Refund anticipation loan."CC BY-SA 3.0http://en.wikipedia.org/wiki/Refund_anticipation_loan • Wiktionary."benchmark."CC BY-SA 3.0http://en.wiktionary.org/wiki/benchmark • Wiktionary."collateral."CC BY-SA 3.0http://en.wiktionary.org/wiki/collateral • Wiktionary."venture capital."CC BY-SA 3.0http://en.wiktionary.org/wiki/venture_capital • Investopedia."Money Market: What Is It?."CC BY-SA 1.0 Generichttp://www.investopedia.com/university/moneymarket/moneymarket1.asp?o=40186&l=dir&qsrc=999&qo=investopediaSiteSearch Free to share, print, make copies and changes. Get yours at www.boundless.com