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interest rate liability loan sharks lend financial assistance grant draft delinquency indebtedness collateral bank term installment staggered payment asset based outstanding debts purchase order finance home equity microloans cash advances promissory notes money owed usury corporate bonds lending principals guarantor guarantee invoice factoring startup quick capital financier credibility remortgage hypothecation cover operational cost banker commerce commercial company expansione economic needs credit debt mortgage lender borrowing creditor borrow