銀行提供預借現金
Evan and Haley run a start-up. They are thinking about importing goods from overseas, but they don’t know if they can afford the upfront costs. So, Evan goes to a bank’s website to look for financing options.
埃文和海莉經營一家新創公司。他們在考慮從海外進口商品，但他們不確定能否負擔得起各項預付費用。因此埃文到銀行網站上搜尋融資方案。
upfront(adj.)(adv.)預支（的）、預付（的）
Haley: What have you found?
海莉：找到什麼了嗎？
Evan: Here. This seems ideal for small businesses like ours.
埃文：這裡。這個融資方案很適合像我們這樣的小型企業。
be ideal for 適合～
Haley: Import financing?
海莉：進口融資？
Evan: It is a short-term type of trade finance that funds the gap between receiving the goods and making the payments.
埃文：它是一種短期貿易融資，為企業在收貨與付款這段期間提供資金。
fund(v.)提供資金the gap between rich and poor 貧富差距
Haley: So, import finance refers to the capital that is being used to bring the goods into a country.
海莉：所以，進口融資資金指的是用來進口商品的那筆資金囉。
capital(n.)資本、本錢、資金interest on capital 資本利息capital city 首都、首府
Evan: Correct. The bank offers access to cash advances. We can use the money to run our business without having our money tied up in orders.
埃文：是的。銀行提供預借現金的管道，這筆錢可以用來維持公司的營運，訂單就不會佔壓資金了。
access to sth. 獲取～的管道cash advance 預借現金be tied up in sth. （資金）佔壓、忙於某事
Haley: Great! Then it won’t be a problem for us to cover the expenses while waiting for the goods to arrive.
海莉：太好了！那在等待商品到貨的同時，應急付款就不成問題了。
cover(v.)足以支付
Evan: There are plenty of options to get import financing, but they might not work for our business, as they’re generally linked to long-term contracts as well as huge collateral.
埃文：還有不少進口融資方案，但那些都不大適合我們公司，因為這些方案通常會限定長期合約，不然就是抵押門檻很高。
be linked to 跟～有關put up or use sth. as collateral 以～作為抵押