short-term financing

简明释义

短期筹资

英英释义

例句

1.A business may use short-term financing to bridge the gap between accounts receivable and payable.

企业可能会利用短期融资来弥补应收账款和应付账款之间的差距。

2.Many startups rely on short-term financing to cover initial operational costs.

许多初创公司依靠短期融资来支付初始运营成本。

3.Investors often provide short-term financing in the form of bridge loans.

投资者通常以过渡贷款的形式提供短期融资。

4.During the holiday season, retailers often seek short-term financing to manage inventory purchases.

在假日季节，零售商通常寻求短期融资来管理库存采购。

5.The company secured short-term financing to fund a new marketing campaign.

该公司获得了短期融资以资助新的营销活动。

作文

Short-term financing is a crucial aspect of financial management for businesses, especially for those that are just starting or experiencing rapid growth. This type of financing refers to funds that are borrowed for a short period, usually less than a year, to meet immediate financial needs. Companies often utilize short-term financing (短期融资) to cover operational costs, manage cash flow, or seize new business opportunities without the burden of long-term debt. One of the most common forms of short-term financing (短期融资) is a line of credit. A line of credit allows businesses to borrow money as needed, up to a specified limit, and pay interest only on the amount borrowed. This flexibility can be invaluable for managing unexpected expenses or fluctuations in revenue. For instance, if a retailer experiences a sudden spike in demand during the holiday season, they may use a line of credit to purchase additional inventory quickly.Another popular option for short-term financing (短期融资) is invoice financing, where businesses receive advances on their outstanding invoices. This method allows companies to maintain cash flow while waiting for customers to pay their bills. By leveraging unpaid invoices, businesses can access funds immediately instead of waiting weeks or months for payment. This approach is particularly beneficial for small businesses that may not have significant cash reserves.Moreover, businesses can also consider short-term loans from banks or alternative lenders. These loans typically require less documentation than long-term loans and can be processed more quickly, making them an attractive option for urgent financial needs. However, it is essential for businesses to carefully assess the terms and interest rates associated with these loans, as they can vary significantly between lenders.The advantages of short-term financing (短期融资) are numerous. First, it provides quick access to capital, which is vital for businesses facing immediate challenges. Second, because these loans are short-term, they allow organizations to avoid long-term debt burdens, which can affect their financial stability. Additionally, when managed properly, short-term financing (短期融资) can help improve a company’s credit score by demonstrating the ability to repay debts promptly.However, there are also risks associated with short-term financing (短期融资). If a business relies too heavily on short-term loans, it may find itself in a cycle of debt, where it continuously borrows to pay off previous loans. This situation can lead to financial instability and potentially harm the company's reputation among lenders. Therefore, businesses must strike a balance between utilizing short-term financing (短期融资) and maintaining a healthy financial structure.In conclusion, short-term financing (短期融资) plays a vital role in helping businesses manage their finances effectively. By providing quick access to funds, it enables companies to address immediate needs and capitalize on opportunities. However, it is crucial for businesses to use this financing wisely and avoid over-reliance on short-term debt. With careful planning and management, short-term financing (短期融资) can be a powerful tool for growth and stability in the ever-changing business landscape.

短期融资是企业财务管理中的一个关键方面，尤其是对于那些刚起步或经历快速增长的企业。这种融资类型指的是为满足即时财务需求而借入的资金，通常期限少于一年。公司经常利用短期融资（short-term financing）来覆盖运营成本、管理现金流或抓住新的商业机会，而不必承担长期债务的负担。短期融资（short-term financing）最常见的形式之一是信用额度。信用额度允许企业根据需要借款，最高可达指定限额，并仅对所借金额支付利息。这种灵活性对于管理意外开支或收入波动至关重要。例如，如果一家零售商在假日季节突然需求激增，他们可能会利用信用额度迅速购买额外库存。另一个受欢迎的短期融资（short-term financing）选项是发票融资，企业可以根据未结发票获得预付款。这种方法使公司在等待客户付款时保持现金流。通过利用未付发票，企业可以立即获得资金，而无需等待几周或几个月的付款。这种方式对于没有大量现金储备的小企业特别有利。此外，企业还可以考虑向银行或替代贷方申请短期贷款。这些贷款通常需要的文件比长期贷款少，可以更快地处理，因此对于紧急财务需求来说是一个具有吸引力的选择。然而，企业必须仔细评估这些贷款的条款和利率，因为不同贷方之间可能存在显著差异。短期融资（short-term financing）的优点有很多。首先，它提供了快速获取资本的机会，这对面临即时挑战的企业至关重要。其次，由于这些贷款是短期的，它们使组织能够避免长期债务负担，这可能影响其财务稳定性。此外，当管理得当时，短期融资（short-term financing）可以通过展示及时还款的能力来改善公司的信用评分。然而，短期融资（short-term financing）也存在风险。如果企业过于依赖短期贷款，可能会陷入债务循环，不断借款以偿还先前的贷款。这种情况可能导致财务不稳定，并可能损害公司在贷方中的声誉。因此，企业必须在利用短期融资（short-term financing）和保持健康财务结构之间找到平衡。总之，短期融资（short-term financing）在帮助企业有效管理财务方面发挥着重要作用。通过提供快速获取资金的机会，它使公司能够解决即时需求并抓住机会。然而，企业必须明智地使用这种融资，避免过度依赖短期债务。通过谨慎的规划和管理，短期融资（short-term financing）可以成为在不断变化的商业环境中实现增长和稳定的强大工具。