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Both of these financing vehicles would be likely to be offered by a commercial bank. However, among those financing vehicles listed, these are not the only ones that would be likely to be offered by a commercial bank. Discounted notes are a method of calculating interest whereby the bank deducts interest on a bank loan or note in advance. Discounted notes are generally secured. A term loan is a loan that is repaid in regular payments over a period of several years. A term loan may be secured or unsecured.
All three of these financing vehicles would be likely to be offered by a commercial bank. However, among those financing vehicles listed, these are not the only ones that would be likely to be offered by a commercial bank. Discounted notes are a method of calculating interest whereby the bank deducts interest on a bank loan or note in advance. Discounted notes are generally secured. Lines of credit are short-term financing provided by a bank. A revolving line of credit is one that is contractually available to the borrower. It is usually secured by a first lien on the borrower's receivables. The borrower's customers send their payments directly to the bank, and the bank applies them to the outstanding line of credit balance. Whenever the borrower needs funds, it borrows against the line. The bank usually charges a commitment fee on the unused portion of the loan. A line of credit is an amount of money that is available to a company at a bank. This is essentially a preapproved loan that the company may access as it needs the money. The line of credit is usually approved for one year at a time. Under this arrangement, interest is not paid until the money is actually borrowed. An unsecured line of credit is generally to be used only for short-term, seasonal needs; thus there is usually a requirement that the line be "cleared," or paid down to zero, for at least 30 days each year, in order to show the bank that the company is not using the line for long-term financing needs. A line of credit such as this might be unsecured, or it might be secured by a lien on the borrower's accounts receivable and inventory. It is different from a revolving line of credit in that there is no requirement for the borrower's customers to send their payments directly to the bank for credit on the line. The borrower collects its own receivables and is responsible for paying down or paying off the line balance when it has the cash to do so. A self-liquidating loan is a short-term working capital loan that is repaid from the liquidation of inventory. It is used to finance seasonal needs for cash to build up inventory ahead of a busy season. When the inventory is sold, the short-term loan can be paid off.
A commercial bank would offer all four of these financing vehicles. Discounted notes are a method of calculating interest whereby the bank deducts interest on a bank loan or note in advance. Discounted notes are generally secured. A term loan is a loan that is repaid in regular payments over a period of several years. A term loan may be secured or unsecured. Lines of credit are short-term financing provided by a bank. A revolving line of credit is one that is contractually available to the borrower. It is usually secured by a first lien on the borrower's receivables. The borrower's customers send their payments directly to the bank, and the bank applies them to the outstanding line of credit balance. Whenever the borrower needs funds, it borrows against the line. The bank usually charges a commitment fee on the unused portion of the loan. A line of credit is an amount of money that is available to a company at a bank. This is essentially a preapproved loan that the company may access as it needs the money. The line of credit is usually approved for one year at a time. Under this arrangement, interest is not paid until the money is actually borrowed. An unsecured line of credit is generally to be used only for short-term, seasonal needs; thus there is usually a requirement that the line be "cleared," or paid down to zero, for at least 30 days each year, in order to show the bank that the company is not using the line for long-term financing needs. A line of credit such as this might be unsecured, or it might be secured by a lien on the borrower's accounts receivable and inventory. It is different from a revolving line of credit in that there is no requirement for the borrower's customers to send their payments directly to the bank for credit on the line. The borrower collects its own receivables and is responsible for paying down or paying off the line balance when it has the cash to do so. A self-liquidating loan is a short-term working capital loan that is repaid from the liquidation of inventory. It is used to finance seasonal needs for cash to build up inventory ahead of a busy season. When the inventory is sold, the short-term loan can be paid off.
Both of these financing vehicles would be likely to be offered by a commercial bank. However, among those financing vehicles listed, these are not the only ones that would be likely to be offered by a commercial bank. Lines of credit are short-term financing provided by a bank. A revolving line of credit is one that is contractually available to the borrower. It is usually secured by a first lien on the borrower's receivables. The borrower's customers send their payments directly to the bank, and the bank applies them to the outstanding line of credit balance. Whenever the borrower needs funds, it borrows against the line. The bank usually charges a commitment fee on the unused portion of the loan. A line of credit is an amount of money that is available to a company at a bank. This is essentially a preapproved loan that the company may access as it needs the money. The line of credit is usually approved for one year at a time. Under this arrangement, interest is not paid until the money is actually borrowed. An unsecured line of credit is generally to be used only for short-term, seasonal needs; thus there is usually a requirement that the line be "cleared," or paid down to zero, for at least 30 days each year, in order to show the bank that the company is not using the line for long-term financing needs. A line of credit such as this might be unsecured, or it might be secured by a lien on the borrower's accounts receivable and inventory. It is different from a revolving line of credit in that there is no requirement for the borrower's customers to send their payments directly to the bank for credit on the line. The borrower collects its own receivables and is responsible for paying down or paying off the line balance when it has the cash to do so. A self-liquidating loan is a short-term working capital loan that is repaid from the liquidation of inventory. It is used to finance seasonal needs for cash to build up inventory ahead of a busy season. When the inventory is sold, the short-term loan can be paid off.