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Definition of Spectail
A dealer that does business with retail but that concentrates more on acquiring and financing its own
Methods of financing in which lenders and equity investors look principally to the
An intercompany loan channeled through a bank.
Key strategies a firm intends to pursue in carrying out its business plan.
Interim financing of one sort or another used to solidify a position until more permanent
A mortgage loan on newly developed property that the builder subsidizes during the
Repetitive cycles of economic expansion and recession.
A business that has terminated with a loss to creditors.
The risk that the cash flow of an issuer will be impaired because of adverse economic
Mortgages in which monthly payments consist of principal and interest, with portions of these
A lease's internal rate of return.
The ability of the bankruptcy court to confirm a plan of reorganization over the objections of
A particularly profitable or otherwise particularly valuable corporate unit or asset of a firm.
An entity that stands ready and willing to buy a security for its own account (at its bid price) or sell
Overnight, collateralized loan made to a dealer financing his position by borrowing from a
A market where traders specializing in particular commodities buy and sell assets for their
Over-the-counter options, such as those offered by government and mortgage-backed
New debt obtained by a firm during the Chapter 11 bankruptcy process.
Barrier option that comes into existence if asset price hits a barrier.
Barrier option that expires if asset price hits a barrier.
A classic negative change in ratings for a stock, and or other rated security.
Employee stock ownership plan (ESOP)
A company contributes to a trust fund that buys stock on behalf of
Federal Financing Bank
A federal institution that lends to a wide array of federal credit agencies funds it
Decisions concerning the liabilities and stockholders' equity side of the firm's balance
Foreign exchange dealer
A firm or individual that buys foreign exchange from one party and then sells it to
Limitation on asset dispositions
A bond covenant that restricts in some way a firm's ability to sell major assets.
Multi-option financing facility
A syndicated confirmed credit line with attached options.
Net financing cost
Also called the cost of carry or, simply, carry, the difference between the cost of financing
Odd lot dealer
A broker who combines odd lots of securities from multiple buy or sell orders into round lots
financing that is not shown as a liability in a company's balance sheet.
In a Treasury refunding, the amount by which the par value of the securities maturing exceeds that
Planned financing program
Program of short-term and long-term financing as outlined in the corporate
Production payment financing
A method of nonrecourse asset-based financing in which a specified
Individual and institutional customers as opposed to dealers and brokers.
Credit granted by a firm to consumers for the purchase of goods or services.
Retail investors, individual investors
Small investors who commit capital for their personal account.
Speculative demand (for money)
The need for cash to take advantage of investment opportunities that may arise.
Speculative grade bond
Bond rated Ba or lower by Moody's, or BB or lower by S&P, or an unrated bond.
A desire to hold cash for the purpose of being in a position to exploit any attractive
Threshold for refinancing
The point when the WAC of an MBS is at a level to induce homeowners to
Top-down equity management style
A management style that begins with an assessment of the overall
Decreasing the book value of an asset if its book value is overstated compared to current market values.
CASH FLOWS FROM FINANCING ACTIVITIES
A section on the cash-flow statement that shows how much cash a company raised by selling stocks or bonds this year and how much was paid out for cash dividends and other finance-related obligations.
STOCKHOLDERSâ€™ (OR OWNERSâ€™) EQUITY
The value of the ownersâ€™ interests in a company.
One of the three classes of cash flows reported in the
Refers to making an entry, usually at the close of a
Refers to the capital invested in a business by its shareowners
business intelligence (BI) system
a formal process for gathering and analyzing information and producing intelligence to meet decision making needs; requires information about
business process reengineering (BPR)
the process of combining information technology to create new and more effective
an activity that is necessary for the operation of the business but for which a customer would not want to pay
any management action that reduces employment
Employee Stock Ownership Plan (ESOP)
a profit-sharing compensation program in which investments are made in
a judgment made regarding the method
Internet business model
a model that involves
The total of all capital contributions and retained earnings on a businessâ€™s
Decision as to how to raise the money to pay for investments in real assets.
operating risk (business risk)
Risk in firmâ€™s operating income.
Fluctuations of GDP around its long-run trend, consisting of recession, trough, expansion, and peak.
A person or firm in the financial asset business who buys for his or her own account and then resells to customers, in contrast to a broker, who buys only on behalf of a customer.
Political Business Cycle
A business cycle caused by policies undertaken to help a government be re-elected.
Real Business Cycle Theory
Belief that business cycles arise from real shocks to the economy, such as technology advances and natural resource discoveries, and have little to do with monetary policy.
Employee Stock Ownership Plan (ESOP)
A fund containing company stock and owned by employees, paid for by ongoing contributions by the employer.
Cash Flow Provided or Used from Financing Activities
Cash receipts and payments involving
A reduction in the balance-sheet valuation of an asset with an accompanying
This is the person designated to become the new owner of a life insurance policy if the original owner dies before the life insured.
This is the person who owns the insurance policy. It is usually the same person as the insured but it could be someone else who has the permission of the insured to be the owner, like a spouse, a common-law-spouse, an offspring, a parent, a corporation with insurable interest or a business partner with insurable interest. In order for someone else to be an owner of your policy, they have to have a legitimate insurable interest in you.
Loans granted usually by a financial institution where the asset being financed constitutes the sole security given to the lender.
Business Expansion Investment
The use of capital to create more money through the addition of fixed assets or through income producing vehicles.
Raising loan capital through the creation of debt by issuing a form of paper evidencing amounts owed and payable on specified dates or on demand.
A range of financing products (loans. guarantees, letters of credit, insurance etc.) in support of a variety of activities which help Canadian firms expand into new export markets.
This is a generic term that refers to the many different forms of financing a business may use. For example - loans, shares, and bonds are all considered financing instruments.
High-Risk Small Business
Firm viewed as being particularly subject to risk from an investors perspective.
Debt finance, usually non-recourse, provided by financial institutions for the development and construction of a new project.
Generally, refers to the first contribution of capital toward the financing requirements of a start-up business.
Commercial Business Loan (Credit Insurance)
An agreement between a creditor and a borrower, where the creditor has loaned an amount to the borrower for business purposes.
The person who owns and holds all rights under the policy, including the power to name and change beneficiaries, make a policy loan, assign the policy to a financial institution as collateral for a loan, withdraw funds or surrender the policy.
Refinancing (Credit Insurance)
Extending the maturity date or increasing the amount of existing debt or both. Also, revising a payment schedule, usually to reduce the monthly payments and often to modify interest charges.
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