Vay doanh nghiệp SME loan - Part 3 TOEIC Luyện Thi
Tóm tắt nhanh: Chủ DN apply SME loan USD 250k working capital 5.99% APR. 3 câu hỏi: purpose, revenue, collateral.
Hội thoại
Loan Officer: Hello. How can I help your business today?
Customer (Sarah - Owner of BrightTech Solutions): I'm looking for a working capital loan to expand my IT company.
Loan Officer: Great. How much do you need?
Sarah: USD 250,000.
Loan Officer: What's your annual revenue?
Sarah: About USD 3 million.
Loan Officer: Do you have collateral to offer?
Sarah: Our office equipment and inventory.
Loan Officer: For your profile, we can offer up to USD 250,000 at 5.99% APR over 36-60 months, without additional collateral under USD 100,000.
Sarah: Great. What's the application timeline?
Loan Officer: Most SME loans are approved within 48 hours and funded within 5 business days.
3 câu hỏi trắc nghiệm
Question 1: What is the purpose of the loan?
- (A) Real estate
- (B) Working capital ✓
- (C) Equipment leasing
- (D) Acquisition
Đáp án: (B) - "working capital loan".
Question 2: What is the company's annual revenue?
- (A) USD 1 million
- (B) USD 3 million ✓
- (C) USD 5 million
- (D) USD 10 million
Đáp án: (B) - "USD 3 million".
Question 3: How long until approval?
- (A) 24 hours
- (B) 48 hours ✓
- (C) 1 week
- (D) 30 days
Đáp án: (B) - "within 48 hours".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| working capital | vốn lưu động |
| expand | mở rộng |
| annual revenue | doanh thu năm |
| collateral | tài sản đảm bảo |
| office equipment | thiết bị văn phòng |
| inventory | hàng tồn kho |
| profile | hồ sơ |
| up to USD 250,000 | đến USD 250,000 |
| over 36-60 months | trong 36-60 tháng |
| without additional collateral | không cần thế chấp bổ sung |
| application timeline | thời gian xét duyệt |
| approved | phê duyệt |
| funded | cấp vốn |
| business loan | vay doanh nghiệp |
| working capital loan | vay vốn lưu động |
| SME | doanh nghiệp nhỏ vừa |
Traps
Bẫy 1: Purpose
- "Working capital" ≠ "Equipment leasing" ngay cả khi mention equipment.
Bẫy 2: Approval timeline
- 48 hours approval ≠ 5 days funding - 2 mốc thời gian.
Bẫy 3: Collateral threshold
- Dưới USD 100k - không cần thêm collateral.
Topic: SME loan USD 250k working capital 5.99% APR với 48h approval.
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