demand line of credit; swing line

简明释义

即期信用额度

英英释义

例句

1.The bank offered a demand line of credit; swing line that allowed the startup to draw funds as needed.

银行提供的随需信贷额度；临时信贷允许初创公司根据需要提取资金。

2.Using a demand line of credit; swing line can provide businesses with flexibility during seasonal fluctuations.

使用随需信贷额度；临时信贷可以为企业在季节性波动期间提供灵活性。

3.When faced with a sudden drop in sales, the company turned to its demand line of credit; swing line to cover payroll.

在面临销售突然下降时，公司求助于其随需信贷额度；临时信贷来支付工资。

4.The business owner decided to utilize the demand line of credit; swing line for unexpected expenses.

企业主决定利用随需信贷额度；临时信贷来应对意外开支。

5.During the financial meeting, the CFO explained how a demand line of credit; swing line could help with cash flow management.

在财务会议上，首席财务官解释了如何利用随需信贷额度；临时信贷来帮助现金流管理。

作文

In the world of finance, understanding various terms and instruments is crucial for both individuals and businesses. One such financial instrument is the demand line of credit; swing line, which can play a significant role in managing cash flow and financing needs. A demand line of credit; swing line is essentially a short-term borrowing option that allows borrowers to access funds quickly when they need them. This type of credit line is typically used by businesses to meet immediate financial obligations or to take advantage of unexpected opportunities. The concept behind a demand line of credit; swing line is quite straightforward. It allows a borrower to draw funds as needed up to a specified limit, and they can repay the borrowed amount at any time without incurring penalties. This flexibility is one of the key advantages of this financial product, making it an attractive option for businesses that experience fluctuating cash flow. For instance, a company may face seasonal variations in revenue, and having a demand line of credit; swing line can help bridge the gap during slower months.Moreover, a demand line of credit; swing line is often secured by the company's assets, which means that the lender has some protection in case the borrower defaults on the loan. This security can lead to lower interest rates compared to unsecured loans, making it a cost-effective option for companies looking to manage their finances efficiently.However, it is important for borrowers to use a demand line of credit; swing line judiciously. While it offers convenience and flexibility, over-reliance on this type of credit can lead to financial strain. Companies must ensure that they have a solid repayment strategy in place to avoid falling into a cycle of debt. Additionally, lenders will typically assess the creditworthiness of the borrower before extending a demand line of credit; swing line, which means that businesses need to maintain good financial health to qualify for this financing option.In summary, a demand line of credit; swing line is a valuable financial tool that provides businesses with quick access to funds for short-term needs. Its flexibility, potential cost savings, and ability to support cash flow management make it an essential component of many companies' financial strategies. However, responsible usage and careful planning are vital to ensure that this financial instrument serves its intended purpose without leading to adverse consequences. Understanding the intricacies of a demand line of credit; swing line can empower businesses to make informed decisions and navigate the complexities of financial management effectively.

在金融世界中，理解各种术语和工具对个人和企业都至关重要。其中一种金融工具是需求信用额度；临时信用额度，它在管理现金流和融资需求方面可以发挥重要作用。需求信用额度；临时信用额度本质上是一种短期借款选项，允许借款人在需要时迅速获取资金。这种类型的信用额度通常被企业用于满足立即的财务义务或抓住意外的机会。需求信用额度；临时信用额度的概念非常简单。它允许借款人根据需要提取资金，直到指定的限额，并且他们可以随时偿还借款而不产生罚款。这种灵活性是这种金融产品的主要优势之一，使其成为经历现金流波动的企业的一个有吸引力的选择。例如，一家公司可能面临收入的季节性变化，拥有需求信用额度；临时信用额度可以帮助弥补淡季的差距。此外，需求信用额度；临时信用额度通常以公司的资产作为担保，这意味着贷款人在借款人违约的情况下有一定的保护。这种保障可以导致比无担保贷款更低的利率，使其成为希望有效管理财务的公司的成本效益高的选择。然而，借款人必须明智地使用需求信用额度；临时信用额度。虽然它提供了便利和灵活性，但过度依赖这种类型的信用可能会导致财务压力。公司必须确保有一个可靠的还款策略，以避免陷入债务循环。此外，贷款人通常会在提供需求信用额度；临时信用额度之前评估借款人的信用worthiness，这意味着企业需要保持良好的财务状况才能符合这一融资选项的资格。总之，需求信用额度；临时信用额度是一种宝贵的金融工具，为企业提供快速获取短期资金的途径。它的灵活性、潜在的成本节约以及支持现金流管理的能力使其成为许多公司财务战略的重要组成部分。然而，负责任的使用和谨慎的规划对于确保这一金融工具发挥其预期作用而不会导致不利后果至关重要。理解需求信用额度；临时信用额度的复杂性可以使企业能够做出明智的决策，有效应对财务管理的复杂性。