of readily available cash and credit. If a bank loan or major lending source is not available to a small start up business‚ another option of funding can be cash advances on credit cards. However‚ this option is very expensive and extremely risky. Credit cards should only be used for short-term expenses‚ and not as a means to entirely fund a start-up business. For a small family owned business‚ the options are many‚ and in some cases‚ bank loans‚ government funding‚ and other options may be wise
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Advanced Medical Technology Case Study Solution Question - Would you‚ as Mr. Winter‚ recommend a loan to AMT? If so‚ on what basis? As Mr. Winter‚ I would recommend a loan to Advanced Medical Technology Corporation (AMT). There are several reasons why I would recommend a loan to AMT. The biggest factor is this company is still in the growth / infancy stage of its life cycle. They have invested large amounts of capital into the research and development‚ and marketing of its products
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Officer: Ivory Deramos Big Heart Financing Company Limited provides loan servicing and collection only in Iloilo City. Big Heart is currently servicing a personal loans to customers. This loan product is designed to be used for different purposes. It can be availed to fund any of the following: tuition‚ medical expenses‚ car repairs‚ home upgrades (remodeling or renovation)‚ vacations‚ gadgets and other purposes. This loan is available for self-employed individuals‚ business owners‚ students and
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Thus‚ there is a tremendous scope/potential for increasing the milk production through profitable dairy farming. 3.Financial Assistance Available from Banks/NABARD for Dairy Farming. 3.1. Loan from banks with refinance facility from NABARD is available for starting dairy farming.For obtaining bank loan‚ the farmers should apply to the nearest branch of a commercial bank‚ regional rural bank or co-operative bank in their area in the prescribed application form which is available in the branches
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0.45 Executive had already offered job from A‚ Probability that he will get job in B be P(B/A) P(B/A) = 0.90 Probability of getting job = P(A) x P(B/A) = 0.45 x 0.90 = 0.405 Q.4 A bank loan officer knows that 12% of the bank’s mortgage holders lose their jobs and default on the loan in course of 5 years. She also knows that 20% of the bank’s mortgage holders lose their jobs during this period. Given that one of her mortgage holder just lost his job‚ what is the probability that he
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Explain the main reasons why financial markets and financial intermediaries exist. Under recent years‚ our financial institutions have come under intense criticism‚ questioning their very purpose. In order to look at the questions that arise as to why financial markets and intermediaries exist‚ it is first important to look at what they are. Financial intermediaries and market’s main purpose is to create a mechanism where money can be reallocated to their most productive opportunities(Casu et al
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.........................5 1.8 DEFINITION OF KEY TERMS……………………………………………………..6 CHAPTER TWO 2. LITERATURE REVIEW………………………………………………………….7 2.1 TYPES OF LONG-TERM INVESTMENTS………………………………………..8 2.1.1 BONDS………………………………………………………………….....8 2.1.2 LOANS…………………………………………………………………….10 2.1.3 COMMERCIAL BANKS DEPOSITS……………………………………11 2.1.4 EQUITY…………………………………………………………………...11 2.1.5 REAL ESTATES………………………………………………………….12 2.1.6 GOVERNMENT SECURITIES…………………………………………..12 CHAPTER THREE 3.0 RESEARCH
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Simone Williamson found it difficult to fund daily operations because of seasonal cash shortages. In 1996‚ the company had secured a $100‚000 revolving line of credit at the prime rate plus 1.5%‚ and a $390‚000 five-year loan at a fixed rate of 9.25%. By the end of 1997‚ the loan outstanding balance was reduced to $315‚000 and the monthly payment is more than $8000. Many of Be Our Guest’s customers had followed up their annual holiday rush‚ then party-equipment rentals peak‚ with their annual
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Question 8: Lenders tend not to be as flexible about the qualifications required of mortgage customers as they can be for other types of bank loans. Why is this so? Most lenders sell the mortgage loan to one of the few federal agencies in the secondary mortgage market. The agencies have very precise guidelines that have to be followed before they accept the loan. Web Exercise 1: $260.000 Chapter 15 Quantitative problem 12: The current exchange rate
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Despite the risks‚ might be profitable if the deal is designed carefully - What are the tradeoffs of the market flex provision for Chase and Disney? - How should Chase design the syndication strategy (general vs. sub-underwriting‚ syndicate size‚ loan shares etc.)? * Sub-underwriting is an optional‚ “wholesale”‚ phase of syndication and the general syndication is the “retail” phase * Sub-underwriting allows Chase to reduce underwriting risk and expedite the syndication process. However
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