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  • Credit Risk and Underwriting Prodegree
    Co-created with Moody’s Analytics
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Finance encompasses banking, debit, credit, capital markets, money, and investments, among other things. It includes the oversight, production, and study of finances, banking, credit, investments, assets, and liabilities that make up financial systems and the management, creation, and analysis of money, finance, banking, credit, investments, assets, and liabilities. The FinTech courses online cover all the essential aspects of finance. 

Types of Financing

In general, financing is essential for every organization, and they require it regularly. There are two types of financing: Long-term finance and short-term finance.

As the name indicates, long-term finance is the credit given for a long period (can be anywhere between one to thirty years). Though, the financial institutions consider long-term finance as riskier and less stable.

Whereas short-term finance is the loan given for one year or less, at times, it can also extend until three years. At Imarticus, through the FAP program, we help you understand short-term finance in a better way. 

Short-term credit financing is typically for smaller amounts, and organizations pay it back more rapidly. For the financial firm, they have a lesser risk. Smaller companies generally have easy access to and desire short-term finance with whom you do business.

For short-term finance, people mainly consider any of the following instruments :

Commercial Paper:

Commercial paper has a pre-determined maturity length of 1 to 364 days. It is an unsecured promissory note that large firms issue to raise money to pay off their short-term obligations. Bank or the corporation that issues it backs it up with the promise to pay back the face value upon maturity. The sound ratings of the firms help them sell these papers at a good price.

Promissory Note:

It is a negotiable instrument in which the maker or issuer makes a written promise to pay the payee a pre-determined sum of money at a defined maturity date or upon the payee's demand, under specific terms.

Asset-based Loan:

It is a sort of loan secured by a company's assets. The most frequent assets used to support the loan are real estate, accounts receivable (A/R), inventory, and equipment. A single asset type or a combination of assets helps the supplied loan.

Repurchase Agreements:

Repurchase agreements are loans with a very short term. They usually mature in less than two weeks, and most of the time, they mature in just one day! Repurchase agreements are set up by selling securities and agreeing to repurchase them at a set price on a specific date.

Letter of Credit:

This document is issued to a seller of goods or services by a financial institution or a comparable party. The seller guarantees that the issuer will pay him for goods or services that he delivers to a third-party buyer.

Upon this, the issuer seeks recovery from the buyer or the buyer's bank. The document guarantees the seller that the issuer of the letter of credit would pay the seller on time, even if the buyer fails to pay.

How Financial Technology Courses Accelerate Your Career

With financial planning and analysis course through the FAP program at Imarticus helps to understand financial services to facilitate financial operations and processes. With the FAP program, we at Imarticus help you establish a career in finance.

For Online Course Enquiries
About Imarticus
Imarticus Learning is India’s leading professional education institute that offers training in Financial Services, Data Analytics & Technology. We’ve successfully transformed careers of over 35,000+ individuals globally through our Certification, Prodegree, and Post Graduate programs offered in association with leading and renowned global organisations in the Financial Services, Data Analytics & Technology domain.
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