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Author: eliosa

    Apr 22

    Financial planning (business)

    Financial planning is the task of determining how a business will afford to achieve its strategic goals and objectives. Usually, a company creates a Financial Plan immediately after the vision and objectives have been set. The Financial Plan describes each of the activities, resources, equipment and materials that are needed to achieve these objectives, as well as the time frames involved. […]
    Apr 22


    Definition of a Bond A bond is a fixed income instrument that represents a loan made by an investor to a borrower (typically corporate or governmental). A bond could be thought of as an I.O.U. between the lender and borrower that includes the details of the loan and its payments. A bond has an end date when the principal of the […]
    Apr 22

    Lender (SBLC/BG)

    Definition of a Lender A lender is an individual, a public or private group, or a financial institution that makes funds available to another with the expectation that the funds will be repaid. Repayment will include the payment of any interest or fees. Repayment may occur in increments (as in monthly mortgage payment) or as a […]
    Apr 22

    Fixed-Income Security

    Definition of Fixed-Income Security A fixed-income security is an investment that provides a return in the form of fixed periodic interest payments and the eventual return of principal at maturity. Unlike a variable-income security, where payments change based on some underlying measure such as short-term interest rates, the payments of a fixed-income security are known […]
    Apr 22

    Financial Institution

    Definition of a Financial Institution A financial institution is a company engaged in the business of dealing with financial and monetary transactions such as deposits, loans, investments, and currency exchange. Financial institutions encompass a broad range of business operations within the financial services sector including banks, trust companies, insurance companies, brokerage firms, and investment dealers. […]
    Apr 22

    Equity Lines of Credit & Equity Loans

    Equity Lines of Credit & Equity Loan Principles  Equity lines of credit & equity loans both use the equity in your business – that is, the difference between your business’s value and your mortgage balance – as collateral. One of the biggest perks of home ownership is the ability to build equity over time. You […]
    Apr 22

    Credit History

    Definition of a Credit History Credit history is a record of a consumer’s ability to repay debts and demonstrated responsibility in repaying debts. A consumer’s credit history includes the following: Amount of available credit used Whether bills are paid on time Number of recent credit inquiries Number and types of credit accounts How long each […]
    Apr 22

    Revolving Credit

    Definition of a Revolving Credit Revolving credit is a line of credit where the customer pays a commitment fee to a financial institution to borrow money and is then allowed to use the funds when needed. It usually is used for operating purposes and the amount drawn can fluctuate each month depending on the customer’s current cash flow needs. Revolving […]
    wire liquidation charges
    Apr 22

    Commitment Fee

    Definition of a Commitment Fee A commitment fee is a banking term used to describe a fee charged by a sblc providers to a borrower to compensate the lender for its commitment to lend. Commitment fees typically are associated with unused credit lines or un-disbursed loans. The lender is compensated for providing access to a potential loan through […]