loan secured by accounts receivable

简明释义

债权担保放款

英英释义

例句

1.The bank approved a loan secured by accounts receivable after reviewing the company’s financial statements.

银行在审核了公司的财务报表后，批准了一笔以应收账款担保的贷款。

2.A loan secured by accounts receivable allows companies to leverage their current assets for immediate financing.

一笔以应收账款担保的贷款允许公司利用其当前资产进行即时融资。

3.With a loan secured by accounts receivable, businesses can access funds quickly without selling equity.

通过以应收账款担保的贷款，企业可以快速获得资金，而无需出售股权。

4.The company applied for a loan secured by accounts receivable to improve its cash flow.

公司申请了一笔以应收账款担保的贷款以改善现金流。

5.The startup was able to grow rapidly thanks to a loan secured by accounts receivable from a local lender.

这家初创公司得益于当地贷方提供的以应收账款担保的贷款，得以迅速成长。

作文

In the world of finance, businesses often require additional funding to manage their operations, expand their services, or invest in new opportunities. One common method of obtaining such funding is through a financial instrument known as a loan secured by accounts receivable. This type of loan allows businesses to leverage their outstanding invoices to secure immediate cash flow, making it a vital tool for many companies. A loan secured by accounts receivable essentially involves borrowing money against the amounts owed to a business by its customers. When a company sells goods or services on credit, it generates accounts receivable, which represent the money that will be received in the future. By using these accounts receivable as collateral, businesses can access funds more quickly than they would through traditional loans, where lengthy approval processes can delay necessary capital inflows.The process begins when a business approaches a lender with its accounts receivable documentation. The lender assesses the quality and reliability of these receivables, determining how much money can be advanced based on the outstanding invoices. Typically, lenders may advance a percentage of the total accounts receivable, often ranging from 70% to 90%. This percentage reflects the lender's evaluation of the risk associated with the receivables, including factors such as the creditworthiness of the customers and the aging of the invoices.Once the loan is approved, the business receives the funds and can use them for various purposes, such as paying suppliers, meeting payroll, or investing in growth initiatives. The key benefit of a loan secured by accounts receivable is that it provides quick access to cash without requiring the business to sell equity or take on high-interest debt. Additionally, since the loan is secured by tangible assets (the accounts receivable), the interest rates are often lower than those associated with unsecured loans.However, there are also risks involved with this type of financing. If a business experiences difficulties in collecting its receivables, it may struggle to repay the loan. In such cases, the lender has the right to collect directly from the customers who owe money. This can lead to strained relationships with customers and potential damage to the business's reputation. Therefore, careful management of accounts receivable is crucial when utilizing a loan secured by accounts receivable.Moreover, businesses must also consider the costs associated with this type of financing. Lenders may charge fees for processing the loan and may impose penalties for late payments. It is essential for businesses to weigh these costs against the benefits of obtaining immediate funding. In conclusion, a loan secured by accounts receivable can be an effective financial solution for businesses looking to improve their cash flow. By leveraging outstanding invoices, companies can obtain necessary funds quickly and efficiently. However, it is important for businesses to manage their receivables diligently and understand the risks and costs associated with this type of financing. With proper planning and execution, a loan secured by accounts receivable can help businesses thrive in a competitive marketplace.

在金融世界中，企业常常需要额外的资金来管理其运营、扩展服务或投资新机会。获得这种资金的一种常见方法是通过一种称为以应收账款担保的贷款的金融工具。这种类型的贷款允许企业利用其未结发票来获取即时现金流，使其成为许多公司的重要工具。以应收账款担保的贷款本质上涉及借款，金额基于企业客户所欠的款项。当公司以信用形式销售商品或服务时，会产生应收账款，这代表着未来将收到的款项。通过将这些应收账款作为抵押品，企业可以比通过传统贷款更快地获得资金，因为传统贷款的审批过程往往较长，可能会延迟必要的资本流入。这一过程始于企业向贷方提供其应收账款文件。贷方评估这些应收账款的质量和可靠性，确定可以根据未结发票提前发放多少资金。通常，贷方可能会预支应收账款总额的一定百分比，通常范围在70%到90%之间。这个百分比反映了贷方对应收账款相关风险的评估，包括客户的信用worthiness和发票的老化情况。一旦贷款获得批准，企业就会收到资金，并可以将其用于各种目的，例如支付供应商、满足工资或投资增长计划。以应收账款担保的贷款的主要好处在于，它提供了快速获取现金的途径，而无需企业出售股权或承担高利息债务。此外，由于贷款是以有形资产（应收账款）为担保，因此利率通常低于无担保贷款的利率。然而，这种融资方式也存在风险。如果企业在收回应收账款方面遇到困难，可能会难以偿还贷款。在这种情况下，贷方有权直接向欠款的客户收款。这可能导致与客户的关系紧张，并可能损害企业的声誉。因此，在利用以应收账款担保的贷款时，妥善管理应收账款至关重要。此外，企业还必须考虑与这种融资方式相关的成本。贷方可能会收取处理贷款的费用，并可能对逾期付款施加罚款。企业必须权衡这些成本与获得即时资金的好处。总之，以应收账款担保的贷款可以成为企业改善现金流的有效金融解决方案。通过利用未结发票，公司可以快速高效地获得所需资金。然而，企业必须谨慎管理其应收账款，并了解与这种融资方式相关的风险和成本。通过适当的规划和执行，以应收账款担保的贷款可以帮助企业在竞争激烈的市场中蓬勃发展。