term loans
intermediate- to long-term (typically, two- to ten-year) business loans with provisions for systematic repayments (amortization during the life of the loan).
Short Term Loans
Financial institutions offer short-term loans to companies, colleges, businesses, and individual borrowers, providing them with financing to be repaid over a short period of time - usually less than one year.
COMMERCIAL TERM LOANS - Loans made to businesses that can be either secured and unsecured. Usually made...
COMMERCIAL TORT CLAIM - A claim rising as a result of a tort that (a) does not include damages arising ...
Short Term Loans - Advantages
If you do not like to be bound by long term loan for many years you may consider availing a short term loan.
Term loans are debt financial instruments with a usual term of 1.5 to 5 years. Term loans may be secured by charges on specified assets including land, buildings, and other capital assets.
Term preferred shares ...
Long term loans (also called bonds) on which the company pays interest and eventually must pay in full.
Long Term Liabilities
All debts owed that are due long term (over one year).
Most term loans in the Euromarket are made on a rollover basis, which means that the loan is periodically repriced at an agreed spread over the appropriate, currently prevailing LIBO rate.
Roll over ...
Short-term loans in which borrower sell assets to lenders with the agreement to purchase the assets at a later time a higher price. The assets most commonly sold are short-term U.S.
Most long-term loans are made via bond instruments. A bond is simply a long-term IOU issued by a government, a corporation, or some other entity. When you invest in a bond, you are lending money to the issuer.
Intermediate-term loans of Eurocurrencies made by banking syndicates to corporate and government borrowers.
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Personal Finance Glossary ...
Long-term loans payable: Money due on a loan more than one year in the future.
Long-term notes payable: Money due more than one year in the future.
MACRS: Modified accelerated cost recovery system.
Increase in short-term loans, increase in Payables, Profit
Increase in an Asset
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Determined by dividing Earnings Before Interest and Taxes by (capital employed plus short-term loans minus intangible assets). The idea is that this ratio should at least be greater than the cost of borrowing.
The interest rate that the Fed charges commercial banks for very short-term loans of reserves. One of the tools of monetary policy.
Discrete time
The division of time into indivisible units.
The IBRD was in charge of conceding long-term loans directed to the reconstruction of the countries damaged by the Second World War and the development of the member states.
This is because demand and supply for medium-term and long-term loans tend to be both much more elastic and much more affected by the public's expectations about future rates of inflation than the supply and demand for short-term loans are.
Debt capital usually refers to long-term capital, specifically bonds, rather than short-term loans to be paid off within one year.
National Debt - Maastricht definition [r]: general government gross debt according to the convergence criteria set out in the Maastricht Treaty, comprising currency, bills and short- term bonds, other short- term loans and other medium- and long- ...
Eurocredits Intermediate-term loans of Eurocurrencies made by banking syndicates to corporate and government borrowers. Eurocurrency deposit A short-term fixed rate time deposit denominated in a currency other than the local currency (i.e.
Prime Lending Rate (PLR) The rate of interest charged by banks on WORKING CAPITAL and short term loans to their most credit-worthy borrowers. The prime rate serves as a benchmark for deciding on the interest rate to be charged to other borrowers.
The real interest rate on short term loans is strongly influenced by the monetary policy of central banks.
The CDC is a British public corporation which provides medium- and long-term loans and equity financing for development-related private and public sector projects in selected countries.
An explanation of bank liquidity described by Adam Smith: short-term loans advanced to finance salable goods on the way from producer to consumer are the most liquid loans the bank can make.
The check cashing service, whether through advanced short-term loans or through percentage of checks cashed, makes money on each cashed check.
Also known as the interbank rate, this is the interest rate applied on short term loans between banks and which serves as a reference rate for other types of loans, including buyer credit or supplier credit.
Firstly they are unsecured loans, secondly they are short term loans and thirdly they entail no credit check. These three qualities translates themselves into high interest rates.
Short-term loans
Effective debt management is crucial to business success. Ability of the business to meet its current obligations is vital to its survival.
In the money markets and foreign exchange markets, very short-term loans are used to manage short-term cash flows. An overnight loan commences immediately and lasts for one trading day.
Bridge loan (bridging loan) - short-term loan that is made in expectation of intermediate- or long-term loans; also called a swing loan. The interest rate on the bridge loan is generally higher than on longer term loans.
The current liabilities section of the balance sheet contains obligations that are due to be satisfied in the near term, and includes amounts relating to accounts payable, salaries, utilities, taxes, short-term loans, and so forth.
A specialized method of providing structured working capital and term loans that are secured by accounts receivable, inventory, machinery, equipment and/or real estate.
The government wants to encourage you to make gifts or long-term loans to community development corporations (CDCs) that provide employment and business opportunities to low-income individuals.
Usurious rates on short-term loans are not always easy to see. For example, a two-week payday loan for $100 might cost $15. That sounds like an interest rate of 15%, which is similar to credit card rates.
Repurchase agreements, or 'repos,' are very short term loans, often lasting for only a day, where assets are sold to an investor with an agreement to repurchase them at a later date for a fixed price.
Bank Rate: The rate at which the Bank of Canada makes short-term loans to chartered banks and other financial institutions, and the benchmark for prime rates set by financial institutions.
4. Pay off all your short-term loans
Money that you're spending on interest payments is money that you could be saving. Try to reduce or eliminate any short-term debts such as credit card balances, or car and student loans.
Debt Financing - The provision of long term loans to small business concerns in exchange for debt securities or a note.
Deduction - An item or expenditure subtracted from adjusted gross income to reduce the amount of income subject to tax.
Debentures are fixed interest securities in return for long-term loans, they tend to be dated for redemption between ten and forty years ahead of the date of issue.
TAF allows the Federal Reserve to auction set amounts of collateral-backed short-term loans to depository institutions that are judged to be in sound financial condition by their local reserve banks.
Easy-access credit
Short-term loans granted regardless of credit history, often for very short periods and at high interest rates. (See Pawnshops, Payday loans, Rent-to-own, and Title loans.) ...
These long-term loans often have low monthly fees and one large payment at the end of the loan term. The advantage is you will likely get low interest payments over the life of the loan, but you must have the cash to pay the big final payment.
A credit facility at a central bank used by financial institutions to obtain short term loans priced at the bank's discount rate. It provides liquidity for institutions' day-to-day needs.
They are short-term loans (up to 1 year) with high interest rates that let you borrow against the value of your old home. Basically it covers the bills until a company or person is approved for a larger loan.
These are also called current liabilities, short-term loans, or short-term (current) debts. These may also include short-term debts that don't cause interest expenses.
Definition: More commonly known as the World Bank. It gives long term loans to member countries for high priority infrastructure, agricultural, industrial and educational projects.
Related glossary term:
World Bank ...
Prime Rate
The lowest commercial interest rate charged by banks on short-term loans to their most creditworthy customers. Changes in the prime rate influence changes in other rates, including mortgage interest rates.
Short-term Liabilities
Money that must be paid in less than a year (12 months), including wages, short-term loans, taxes, credit card balances and long-term loans.
Federal funds: Very short-term loans (usually overnight) between banks, without any collateral.
Federal Home Loan Mortgage Corporation (FHLMC or "Freddie Mac"): Purchases conventional mortgages from federally chartered savings and loans.
These very short-term loans are known as federal funds and the interest rate the lenders charge is called the federal funds rate. That's also the benchmark rate for many corporate and international government loans.
Discount Rate - Interest rate the Federal Reserve charges its member banks for short-term loans; often used as a benchmark for other institutions charging interest on loans, credit cards and other debts.
The most favorable interest rate charged by lenders on a short term loans to qualified customers.
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Generally speaking a longer-term investment carries a maturity risk premium, because long-term loans are exposed to more risk of default during their duration.
[edit] Liquidity preference ...
The International bank for Reconstruction and Development, an international organization that provides long-term loans to developing countries to improve their infrastructure.
Electronic Federal Tax Payment Systems (EFTPS) ...
FEDERAL LAND BANK (FLB) " Part of the Federal Farm Credit System. It provides long-term loans to farmers an ranchers for various agricultural purposes.
Such deposit accounts (euro-dollars) are extensively used outside the United States for financial transactions such as short-term loans or the purchase of dollar bonds called euro-bonds, which are sometimes issued by U.S.
Inter Bank Loan. Often commercial banks are short of money and so are forced to borrow money on the money markets. These are typically short term loans and can be interbank or direct to the Central Bank.
Bank Loan Interest rates ...
Long Term Debt
Liabilities that are due to be repaid after more than one year. This is inclusive of bonds and long-term loans.
See: Bond; Liability; Loan; Medium Term Bond; Short Term Debt ...
A non-public placement of securities. Private placements are typically medium to long term loans made by a non-traditional lender such as an insurance companies or pension funds to a corporate borrower usually arranged by a bank or investment bank.
ILR (Indicator Lending Rate) - the base rate which dictates interest rates for variable rate overdrafts and term loans.
Inclusions - items sold with a property, e.g. lights, stove, fridge.
Put another way, usually appearing on a company's balance sheet, it represents the amount owed for interest, accounts payable, short-term loans, expenses incurred but unpaid, and other debts due within one year.
 See also: Banks, Expense, Funding, Saving, Bills
  
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