revolving term loan

简明释义

定期调整利率的长期贷款

英英释义

例句

1.A revolving term loan can be beneficial for businesses with fluctuating revenue.

对于收入波动的企业来说，循环定期贷款是有益的。

2.With the revolving term loan, the business can borrow and repay multiple times within the loan period.

通过循环定期贷款，企业可以在贷款期限内多次借款和还款。

3.She used the revolving term loan to finance her new equipment purchases.

她使用循环定期贷款来为新设备采购提供资金。

4.The company secured a revolving term loan to manage its short-term cash flow needs.

公司获得了一笔循环定期贷款以管理其短期现金流需求。

5.The bank offered a revolving term loan that allowed for flexible repayment options.

银行提供了一种循环定期贷款，允许灵活的还款选项。

作文

In the world of finance, businesses often require flexible financing options to meet their varying cash flow needs. One such option that has gained popularity is the revolving term loan. A revolving term loan is a type of loan that combines features of both revolving credit and term loans. Unlike traditional term loans, which provide a lump sum that must be repaid in fixed installments over a predetermined period, a revolving term loan allows borrowers to withdraw funds as needed, up to a certain credit limit, and repay them over time. This flexibility makes it an attractive choice for companies that experience fluctuating expenses or seasonal revenue patterns.The structure of a revolving term loan typically involves a borrowing base, which is determined by the company's accounts receivable and inventory levels. As the business generates revenue and pays down the borrowed amount, it can re-borrow up to the agreed limit without needing to apply for a new loan. This feature is particularly beneficial for businesses that face unexpected expenses or opportunities that require quick access to cash.Moreover, the interest rates on revolving term loans can vary based on the lender's assessment of the borrower's creditworthiness and financial health. Generally, these loans may have higher interest rates compared to secured loans due to the increased risk for lenders. However, the convenience and flexibility they offer can outweigh the costs for many businesses.Understanding the implications of utilizing a revolving term loan is crucial for any business owner. While the ability to access funds quickly can help manage cash flow effectively, it is essential to have a robust plan for repayment. Failing to manage the debt responsibly can lead to a cycle of borrowing that may result in financial strain.In conclusion, a revolving term loan is a versatile financial tool that provides businesses with the liquidity they need to navigate their operational challenges. By understanding its structure, benefits, and potential risks, entrepreneurs can make informed decisions about whether this financing option is suitable for their specific circumstances. As with any financial product, careful consideration and planning are key to leveraging a revolving term loan effectively and ensuring long-term business success.

在金融世界中，企业经常需要灵活的融资选项来满足其不断变化的现金流需求。其中一种越来越受欢迎的选择是循环定期贷款。循环定期贷款是一种结合了循环信贷和定期贷款特征的贷款类型。与传统的定期贷款不同，后者提供一次性贷款，必须在预定期限内按固定分期偿还，而循环定期贷款允许借款人根据需要提取资金，最高可达一定的信用额度，并在一段时间内偿还。这种灵活性使其成为经历波动支出或季节性收入模式的公司的一个有吸引力的选择。循环定期贷款的结构通常涉及一个借款基础，该基础由公司的应收账款和库存水平决定。随着企业产生收入并偿还借款金额，它可以在不需要申请新贷款的情况下重新借入最高限额。这一特点对于面临意外支出或需要快速获取现金的机会的企业尤其有利。此外，循环定期贷款的利率可能会根据贷方对借款人信用状况和财务健康状况的评估而有所不同。一般来说，由于贷方面临的风险增加，这些贷款的利率可能高于担保贷款。然而，对于许多企业来说，其所提供的便利性和灵活性可以抵消这些成本。理解使用循环定期贷款的影响对任何企业主来说都是至关重要的。虽然迅速获取资金的能力可以有效管理现金流，但制定良好的偿还计划也至关重要。未能负责任地管理债务可能导致借贷循环，从而可能导致财务压力。总之，循环定期贷款是一种多功能的金融工具，为企业提供了应对运营挑战所需的流动性。通过理解其结构、优势和潜在风险，企业家可以就这种融资选项是否适合其特定情况做出明智的决策。与任何金融产品一样，仔细考虑和规划是有效利用循环定期贷款并确保长期商业成功的关键。