expand the line of credit

简明释义

扩大信贷

英英释义

例句

1.To take advantage of new opportunities, the startup requested to expand the line of credit with their existing bank.

为了利用新机会，初创公司请求与现有银行扩大信贷额度。

2.After reviewing the company's financials, the lender agreed to expand the line of credit to support their growth.

在审查了公司的财务状况后，贷款方同意扩大信贷额度以支持他们的增长。

3.The bank decided to expand the line of credit for the small business to help them manage their cash flow better.

银行决定扩大信贷额度以帮助小企业更好地管理现金流。

4.The financial advisor recommended that they expand the line of credit to ensure they have enough funds for unexpected expenses.

财务顾问建议他们扩大信贷额度以确保有足够的资金应对意外开支。

5.Due to their excellent repayment history, the bank was willing to expand the line of credit significantly.

由于他们出色的还款记录，银行愿意大幅度扩大信贷额度。

作文

In the world of finance and business, the concept of credit plays a crucial role in determining the success and sustainability of a company. One important aspect of managing finances is the ability to obtain and maintain a line of credit. A line of credit is essentially a flexible loan from a financial institution that allows a borrower to access funds up to a certain limit. However, there are times when a business may require more funds than its current line of credit allows. In such cases, it becomes necessary to expand the line of credit (扩大信用额度). This process involves negotiating with the lender to increase the available credit limit, which can provide additional financial resources for the business to invest in growth opportunities or manage unexpected expenses.When a company decides to expand the line of credit (扩大信用额度), it is often driven by various factors. For instance, a growing business may need more capital to purchase inventory, hire new employees, or invest in marketing efforts. Additionally, unforeseen circumstances such as economic downturns or sudden increases in operational costs can also necessitate an increase in credit availability. By having a larger line of credit, businesses can ensure they have the necessary funds to navigate these challenges without compromising their operations.The process of expanding the line of credit (扩大信用额度) typically begins with assessing the current financial situation of the business. This includes reviewing cash flow, existing debts, and overall creditworthiness. Lenders will evaluate these factors to determine whether they are willing to extend additional credit. It is essential for businesses to present a strong case to their lenders, demonstrating not only the need for increased credit but also their ability to repay any additional funds borrowed.Once the decision has been made to pursue an expansion of credit, businesses should prepare for discussions with their lenders. This may involve gathering financial statements, tax returns, and other relevant documentation that showcases the company’s financial health. Additionally, it may be beneficial to outline specific plans for how the additional credit will be utilized, which can help reassure lenders of the soundness of the investment.Moreover, expanding the line of credit (扩大信用额度) can also have implications on a business’s credit score. If managed wisely, an increased line of credit can improve a company's credit utilization ratio, which is a key factor in credit scoring. However, it is crucial to avoid overextending oneself and accumulating debt that cannot be managed. Responsible use of credit is vital to maintaining a good relationship with lenders and ensuring long-term financial stability.In conclusion, the ability to expand the line of credit (扩大信用额度) is an essential tool for businesses looking to grow and adapt to changing market conditions. By understanding the requirements and processes involved in this endeavor, companies can secure the necessary funding to support their operations and achieve their goals. Whether it is through strategic planning or effective negotiation with lenders, expanding credit lines can provide businesses with the flexibility they need to thrive in a competitive landscape.

在金融和商业的世界中，信用的概念在决定公司成功和可持续性方面发挥着至关重要的作用。管理财务的一个重要方面是获得和维护信用额度的能力。信用额度本质上是来自金融机构的灵活贷款，允许借款人根据一定限额访问资金。然而，有时企业可能需要比当前信用额度允许的更多资金。在这种情况下，扩大信用额度（expand the line of credit）变得必要。这个过程涉及与贷方谈判以增加可用信用限额，这可以为企业提供额外的财务资源，以投资于增长机会或管理意外支出。当一家公司决定扩大信用额度（expand the line of credit）时，通常是由各种因素驱动的。例如，正在成长的企业可能需要更多的资本来购买库存、雇佣新员工或投资于市场营销。此外，经济衰退或运营成本突然增加等不可预见的情况也可能需要增加信用可用性。通过拥有更大的信用额度，企业可以确保他们拥有必要的资金来应对这些挑战，而不影响其运营。扩大信用额度（expand the line of credit）的过程通常始于评估企业的当前财务状况。这包括审查现金流、现有债务和整体信用状况。贷方将评估这些因素，以确定他们是否愿意扩展额外的信用。企业向贷方展示增加信用的必要性以及偿还任何额外借款的能力是至关重要的。一旦决定追求信用扩展，企业应准备与贷方进行讨论。这可能涉及收集财务报表、纳税申报表和其他相关文档，以展示公司的财务健康。此外，概述如何利用额外信用的具体计划也可能有助于安抚贷方，从而确保投资的合理性。此外，扩大信用额度（expand the line of credit）也可能对企业的信用评分产生影响。如果管理得当，增加的信用额度可以改善公司的信用利用率，这是信用评分的关键因素。然而，避免过度扩张和积累无法管理的债务至关重要。负责任地使用信用对维护与贷方的良好关系和确保长期财务稳定至关重要。总之，扩大信用额度（expand the line of credit）的能力是企业寻求增长和适应市场变化的重要工具。通过理解这一努力所涉及的要求和流程，公司可以获得支持其运营和实现目标所需的资金。无论是通过战略规划还是有效的与贷方谈判，扩大信用额度都可以为企业提供在竞争激烈的环境中蓬勃发展的灵活性。