Solved > 1) Sometimes small businesses have to use debt:1968442 …

1) Sometimes small businesses have to use debt financing instead of equity financing. When they do, they discover that:

A) banks give them a lower interest rate because of their closeness to the customer and better management practices.

B) finance companies are their primary source for debt funding.

C) the cost of debt financing is often less than the cost of equity financing.

D) there are fewer lenders than investors in the marketplace, but the money is easier to get from lenders.

2) For small businesses, ________ are the heart of the financial market.

A) banks

B) finance companies

C) private placement

D) insurance companies

3) As the providers of debt financing to small businesses, banks tend to:

A) make only asset-based, long-term loans.

B) be very conservative and lend primarily short-term capital.

C) focus on either inventory or accounts receivable when evaluating a business’s loan requests.

D) be eager lenders to start-ups as these tend to be smaller loans at less risk.

4) The most common type of commercial bank loan granted to small businesses is:

A) the short-term commercial loan.

B) the lines of credit agreement.

C) the floor plan.

D) the unsecured term loan.

5) A ________ is an agreement with a bank that allows a small business to borrow up to a predetermined specified amount during the year without making an application each time.

A) term loan

B) factor

C) line of credit

D) floor plan

6) Sunny Bright’s The Tanning Parlor is in the middle of its busy season. The hiring of extra help, some unexpected repairs on equipment, etc., has led to a shortage of operating capital. What type of financing would Sunny most likely use in this situation?

A) Line of credit

B) Floor planning

C) A discounted installment contract

D) An asset-based loan

7) ________ is (are) a method of financing frequently employed by retailers of “big ticket items”—autos and major appliances.

A) Discounted installment contracts

B) Trade credit

C) Installment loans

D) Floor planning

8) A small retail boat shop is most likely to rely on ________ to finance its inventory.

A) discounted installment contracts

B) floor planning

C) installment loans

D) trade credit

9) Term loans impose restrictions called:

A) loan boundaries.

B) covenants.

C) financial limits.

D) margins.

10) Term loans often have a ________ feature, which means that after three to five years, the full amount of principal is due before the amortized payments fully repay the loan.

A) parachute

B) covenant

C) balloon

D) handcuff is an online academic writing platform that provides extensive assistance to graduate school students as they work through their research projects, papers and dissertations. gives students access to experienced professionals who can provide the help they need in a timely and efficient manner. The service offers a wide range of services, including editing, proofreading, formatting, researching and more that can give students the confidence they need to write the perfect paper or dissertation for their chosen subject matter.

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