MVJ Corp, a Market Research Firm, Borrowed $2 Million from Trimitium

MVJ Corp., a market research firm, borrowed $2 million from Trimitium Bank. While negotiating with the bank, the firm signs a promissory note, which specifies that the firm must pay the borrowed amount in 90 days with interest. However, the bank also requires the firm's inventories and receivables to be pledged as collateral to back the loan. Which of the following short-term financing options is being offered by Trimitium Bank in the given scenario?

A) Spontaneous financing
B) Short-term bank loans
C) Bank debit
D) Factoring