Banks like to use hard assets such as buildings, motor vehicles, or equipment as collateral against loans. They will loan against receivables and inventory, but, especially in the case of smaller businesses, tend to heavily discount the protection these assets offer. They are afraid the inventory and receivables will be converted to cash in order to cover operating losses if the business experiences any financial difficulties.
　　While banks like the ultimate protection of hard assets, they also want to feel that there is little chance that the business, or the bank, will have to call upon these assets to pay off the loan. Banks don’t care whether or not your business has sky-high profit
　　potential. They are only interested in the business’ ability to cover the principle and interest payments.
　　In making a proposal for a loan, the bank will want to see all of your recent tax returns, financial statements, and cash flow projections. They will also want to know how much you would like to borrow. And, if yours is a small business, it will expect you to conduct all of your business banking activities through its institution.
　　66. Bank will loan against receivables and inventory ________.
　　A. because receivables is small value
　　B. because the bank don’t think inventory is useful
　　C. because inventory and receivables might be converted to cash in order to cover operating losses if the business experiences any financial difficulties
　　D. other reasons
　　67. Do banks care whether or not your business has sky-high profit potential? __________.
　　A. Yes, they do
　　B. No, they don’t
　　C. Yes, they do, for sky-high profit potential means the borrower repay on due day
　　D. Sometimes they do, but sometimes they don’t
　　68. In making a proposal for a loan, the bank will not consider of its customer. __________
　　A. all of recent tax returns
　　B. financial statements
　　C. cash flow projections
　　D. long-term planning
　　69. Banks care only __________.
　　A. interest
　　B. the business’ ability
　　C. principal
　　D. money
　　70. Banks are the __________ financing vehicle, other than owner’s savings for small businesses.
　　A. first
　　B. second
　　C. primary
　　D. secondary

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