For most lines of business the basic source of short-term loan financing is:

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Commercial banks are generally the primary source of short-term loan financing for most businesses. They offer a range of loan products, including lines of credit, term loans, and revolving credit facilities, and can provide working capital to businesses in a timely and flexible manner. While finance companies, commercial paper markets, and factors can also be sources of short-term financing, they are generally not as widely used or accessible as commercial banks.

For Most Lines of Business the Basic Source of Short-Term