| A | B |
|---|
| commercial lending | lending to business enterprises |
| factoring | asset-based lending |
| merchandisers | people you do daily business with |
| manufacturers | same basic needs as merchandisers |
| debt ratio | total obligations compared to the total income |
| debt service coverage ratio(DSCR) | compares net operating income to the total cost of the debt |
| small business administration(SBA) | offers a number of financial, technical, and management programs to help businesses |
| risk averse | he or she would prefer to invest in a product that has very little risk of failure |
| risk preferrer | an investor who seeks a high level of return on investments |
| credit default swap | like an insurance product gone arwy |
| speculation | occurs when people make investments based on anticipated or hoped-for outcomes |
| synthetic financial products | products that lack an underlying value in their assets |
