{"id":1453,"date":"2026-08-07T09:31:02","date_gmt":"2026-08-07T00:31:02","guid":{"rendered":"https:\/\/www.facmatch.jp\/column\/working-capital-english\/"},"modified":"2026-10-24T08:59:38","modified_gmt":"2026-10-23T23:59:38","slug":"working-capital-english","status":"publish","type":"post","link":"https:\/\/www.facmatch.jp\/column\/working-capital-english\/","title":{"rendered":"\u904b\u8ee2\u8cc7\u91d1\u306f\u82f1\u8a9e\u3067\u4f55\u3068\u3044\u3046\uff1fworking capital\u30fboperating funds\u306e\u4f7f\u3044\u5206\u3051"},"content":{"rendered":"\n

\u672c\u8a18\u4e8b\u306f\u5e83\u544a\u30fbPR\u3092\u542b\u307f\u307e\u3059\u3002\u91d1\u878d\u30fb\u4f1a\u8a08\u7528\u8a9e\u306e\u82f1\u8a33\u306f\u3001\u66f8\u985e\u306e\u76ee\u7684\u3001\u76f8\u624b\u56fd\u3001\u5951\u7d04\u30fb\u4f1a\u8a08\u57fa\u6e96\u3001\u91d1\u878d\u6a5f\u95a2\u306e\u6307\u5b9a\u7528\u8a9e\u306b\u3088\u3063\u3066\u5909\u308f\u308a\u307e\u3059\u3002\u91cd\u8981\u66f8\u985e\u3067\u306f\u63d0\u51fa\u5148\u306e\u66f8\u5f0f\u30fb\u5b9a\u7fa9\u3092\u512a\u5148\u3057\u3001\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u5c02\u9580\u5bb6\u3078\u78ba\u8a8d\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n

\u904b\u8ee2\u8cc7\u91d1\u306f\u3001\u82f1\u8a9e\u3067 working capital<\/strong> \u3068\u8868\u3059\u306e\u304c\u57fa\u672c\u3067\u3059\u3002\u878d\u8cc7\u306e\u8cc7\u91d1\u4f7f\u9014\u533a\u5206\u3067\u306f operating funds<\/strong> \u3082\u4f7f\u308f\u308c\u307e\u3059\u3002<\/p>\n\n\n\n

\u9280\u884c\u3078\u306e\u30e1\u30fc\u30eb\u3084\u878d\u8cc7\u7533\u8acb\u66f8\u3067\u306f\u3001\u5358\u8a9e\u3092\u9078\u3076\u3060\u3051\u3067\u306a\u304f\u3001\u5fc5\u8981\u984d\u30fb\u5fc5\u8981\u65e5\u30fb\u4f7f\u3044\u9053\u3092\u6dfb\u3048\u308b\u3068\u610f\u56f3\u304c\u4f1d\u308f\u308a\u307e\u3059\u3002\u65e5\u672c\u9280\u884c\u30fb\u65e5\u672c\u653f\u7b56\u91d1\u878d\u516c\u5eab\u306e\u7528\u4f8b\u3092\u3082\u3068\u306b\u3001\u8868\u73fe\u306e\u9055\u3044\u3068\u3001\u305d\u306e\u307e\u307e\u7d44\u307f\u66ff\u3048\u3066\u4f7f\u3048\u308b\u82f1\u6587\u4f8b\u3092\u6574\u7406\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n

\u904b\u8ee2\u8cc7\u91d1\u306e\u82f1\u8a9e\u306fworking capital\u304c\u57fa\u672c<\/h2>\n\n\n\n
\"\u904b\u8ee2\u8cc7\u91d1\u306e\u82f1\u8a9e\u3092\u9078\u3076\u3092\u8aac\u660e\u3059\u308b\u56f3\"<\/a><\/figure>\n\n\n\n

\u65e5\u3005\u306e\u4e8b\u696d\u3092\u56de\u3059\u305f\u3081\u306e\u904b\u8ee2\u8cc7\u91d1\u306f\u3001\u82f1\u8a9e\u3067 working capital\uff08\u30ef\u30fc\u30ad\u30f3\u30b0\u30fb\u30ad\u30e3\u30d4\u30bf\u30eb\uff09<\/strong> \u3068\u8868\u73fe\u3057\u307e\u3059\u3002\u7d66\u4e0e\u3001\u4ed5\u5165\u308c\u3001\u5bb6\u8cc3\u306a\u3069\u306e\u652f\u6255\u3044\u306b\u5fc5\u8981\u306a\u8cc7\u91d1\u3092\u8aac\u660e\u3059\u308b\u3068\u304d\u306b\u4f7f\u3048\u308b\u8a00\u8449\u3067\u3059\u3002<\/p>\n\n\n\n

\u9280\u884c\u3078\u306e\u30e1\u30fc\u30eb\u306b\u6307\u5b9a\u306e\u66f8\u304d\u65b9\u304c\u306a\u3051\u308c\u3070\u3001working capital\u3092\u4f7f\u3044\u3001\u5fc5\u8981\u984d\u30fb\u5fc5\u8981\u65e5\u30fb\u4f7f\u9014\u3092\u7d9a\u3051\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u300c\u6765\u6708\u672b\u307e\u3067\u306b\u3001\u4ed5\u5165\u5148\u3078\u306e\u652f\u6255\u3044\u306b\u4f7f\u3046300\u4e07\u5186\u3092\u501f\u308a\u305f\u3044\u300d\u306a\u3089\u3001\u6b21\u306e\u82f1\u6587\u3092\u4f7f\u3044\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n

\n

We would like to borrow JPY 3 million for working capital by the end of next month to pay suppliers.<\/p>\n<\/blockquote>\n\n\n\n

\u610f\u5473\uff1a\u4ed5\u5165\u5148\u3078\u306e\u652f\u6255\u3044\u306b\u4f7f\u3046\u904b\u8ee2\u8cc7\u91d1\u3068\u3057\u3066\u3001\u6765\u6708\u672b\u307e\u3067\u306b300\u4e07\u5186\u3092\u501f\u308a\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u66f8\u304d\u65b9\u306e\u4eee\u4f8b\u3067\u3001\u91d1\u984d\u3068\u671f\u65e5\u306f\u81ea\u793e\u306e\u5e0c\u671b\u306b\u7f6e\u304d\u63db\u3048\u307e\u3059\u3002<\/p>\n\n\n\n

\u65e5\u672c\u9280\u884c\u306e\u82f1\u8a9e\u89e3\u8aac<\/a>\u3082\u3001\u7d66\u4e0e\u3084\u4ed5\u5165\u308c\u306a\u3069\u306e\u8cbb\u7528\u3092\u652f\u6255\u3046\u8cc7\u91d1\u3092working capital\u3068\u547c\u3093\u3067\u3044\u307e\u3059\u3002\u5de5\u5834\u30fb\u5e97\u8217\u306a\u3069\u3078\u306e\u6295\u8cc7\u8cc7\u91d1\u306ffixed investment funds\u3068\u533a\u5225\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u307e\u305a\u306f\u3001\u4f1d\u3048\u305f\u3044\u5185\u5bb9\u306b\u5408\u308f\u305b\u3066\u6b21\u306e\u8868\u73fe\u3092\u9078\u3076\u3068\u5206\u304b\u308a\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\n\n\n\n\n\n\n\n\n
\u65e5\u672c\u8a9e\u3067\u4f1d\u3048\u305f\u3044\u3053\u3068<\/th>\n\u82f1\u8a9e\u306e\u8868\u73fe<\/th>\n<\/tr>\n<\/thead>\n
\u904b\u8ee2\u8cc7\u91d1<\/td>\nworking capital<\/td>\n<\/tr>\n
\u8ffd\u52a0\u306e\u904b\u8ee2\u8cc7\u91d1<\/td>\nadditional working capital<\/td>\n<\/tr>\n
\u904b\u8ee2\u8cc7\u91d1\u9700\u8981\u30fb\u5fc5\u8981\u984d<\/td>\nworking capital needs \/ working capital requirements<\/td>\n<\/tr>\n
\u904b\u8ee2\u8cc7\u91d1\u4e0d\u8db3<\/td>\na working capital shortfall<\/td>\n<\/tr>\n
\u904b\u8ee2\u8cc7\u91d1\u306e\u878d\u8cc7<\/td>\na working capital loan<\/td>\n<\/tr>\n
\u904b\u8ee2\u8cc7\u91d1\u306e\u8cc7\u91d1\u8abf\u9054<\/td>\nworking capital financing<\/td>\n<\/tr>\n<\/tbody><\/table>\n<\/figure>\n\n\n\n

working capital\u81ea\u4f53\u306f\u3001\u901a\u5e38\u306f\u4e0d\u53ef\u7b97\u540d\u8a5e\u3068\u3057\u3066\u4f7f\u3044\u307e\u3059\u3002sufficient working capital\u306a\u3089\u300c\u5341\u5206\u306a\u904b\u8ee2\u8cc7\u91d1\u300d\u3067\u3059\u3002a working capital\u3084working capitals\u3068\u306f\u901a\u5e38\u66f8\u304d\u307e\u305b\u3093\u3002a working capital loan\u306ea\u306f\u3001\u6570\u3048\u3089\u308c\u308bloan\u306b\u4ed8\u3044\u3066\u3044\u307e\u3059\u3002Cambridge Dictionary\u306eworking capital<\/a>\u3082\u3001\u8a9e\u7fa9\u3084\u54c1\u8a5e\u3092\u78ba\u304b\u3081\u308b\u969b\u306e\u53c2\u8003\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\u65e5\u672c\u8a9e\u306e\u300c\u904b\u8ee2\u300d\u3092\u305d\u306e\u307e\u307e\u8a33\u3057\u305fdriving funds\u3084\u3001working money\u306f\u3001\u4e00\u822c\u7684\u306a\u91d1\u878d\u30fb\u4f1a\u8a08\u7528\u8a9e\u3068\u3057\u3066\u306e\u904b\u8ee2\u8cc7\u91d1\u306e\u8a33\u306b\u306f\u4f7f\u3044\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n

operating funds\u3068\u306e\u9055\u3044\u306f\u3001\u4f7f\u3046\u66f8\u985e\u3068\u6587\u8108<\/h2>\n\n\n\n
\"\u5b9f\u969b\u306e\u7528\u4f8b\u3092\u6bd4\u3079\u308b\u3092\u8aac\u660e\u3059\u308b\u56f3\"<\/a><\/figure>\n\n\n\n

operating funds\u3082\u904b\u8ee2\u8cc7\u91d1\u3092\u8868\u3057\u307e\u3059\u3002working capital\u3060\u3051\u304c\u6b63\u89e3\u3068\u3044\u3046\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/strong> \u878d\u8cc7\u5236\u5ea6\u306e\u8cc7\u91d1\u4f7f\u9014\u6b04\u3084\u3001\u63d0\u51fa\u5148\u304c\u5b9a\u3081\u305f\u533a\u5206\u540d\u3067\u306foperating funds\u304c\u4f7f\u308f\u308c\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\n\n\n\n\n\n
\u8868\u73fe<\/th>\n\u4f7f\u3046\u5834\u9762\u306e\u4f8b<\/th>\n\u5b9f\u969b\u306e\u7528\u4f8b\u30fb\u6ce8\u610f\u70b9<\/th>\n<\/tr>\n<\/thead>\n
working capital<\/td>\n\u65e5\u3005\u306e\u4e8b\u696d\u306b\u5fc5\u8981\u306a\u8cc7\u91d1\u3092\u4f1d\u3048\u308b\u4e00\u822c\u7684\u306a\u8aac\u660e<\/td>\n\u65e5\u672c\u9280\u884c\u306e\u82f1\u8a9e\u89e3\u8aac\u3067\u4f7f\u7528\u3002\u4f1a\u8a08\u306e\u8a08\u7b97\u5024\u3092\u6307\u3059\u5834\u5408\u306f\u5b9a\u7fa9\u3092\u6dfb\u3048\u308b<\/td>\n<\/tr>\n
operating funds<\/td>\n\u878d\u8cc7\u306e\u8cc7\u91d1\u4f7f\u9014\u533a\u5206\u3001\u4e8b\u696d\u904b\u55b6\u306b\u5145\u3066\u308b\u8cc7\u91d1<\/td>\n\u65e5\u672c\u653f\u7b56\u91d1\u878d\u516c\u5eab\u306e\u82f1\u8a9e\u30da\u30fc\u30b8\u3067\u4f7f\u7528<\/td>\n<\/tr>\n
facility funds<\/td>\n\u4e0a\u8a18\u516c\u5eab\u30da\u30fc\u30b8\u3067\u904b\u8ee2\u8cc7\u91d1\u3068\u5bfe\u306b\u306a\u308b\u8a2d\u5099\u8cc7\u91d1\u306e\u533a\u5206<\/td>\n\u8a2d\u5099\u8cc7\u91d1\u306e\u8a33\u3092\u3059\u3079\u3066\u3053\u306e\u8a9e\u3078\u7d71\u4e00\u3059\u308b\u610f\u5473\u3067\u306f\u306a\u3044<\/td>\n<\/tr>\n<\/tbody><\/table>\n<\/figure>\n\n\n\n

\u65e5\u672c\u653f\u7b56\u91d1\u878d\u516c\u5eab\u306e\u82f1\u8a9e\u30da\u30fc\u30b8<\/a>\u3067\u306f\u3001\u878d\u8cc7\u6b8b\u9ad8\u306e\u8cc7\u91d1\u4f7f\u9014\u3092Operating funds\u3068Facility funds\u306b\u5206\u3051\u3066\u3044\u307e\u3059\u3002\u30b3\u30c8\u30d0\u30f3\u30af\u306eoperating funds<\/a>\u3082\u3001\u904b\u8ee2\u8cc7\u91d1\u30fb\u55b6\u696d\u8cc7\u91d1\u306e\u8a33\u3092\u63b2\u8f09\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u82f1\u8a9e\u306e\u66f8\u5f0f\u306bWorking Capital\u3084Operating Funds\u306a\u3069\u306e\u6307\u5b9a\u304c\u3042\u308b\u306a\u3089\u3001\u305d\u306e\u8868\u8a18\u306b\u305d\u308d\u3048\u307e\u3059\u3002\u540c\u3058\u66f8\u985e\u3067\u4e21\u65b9\u306e\u8a00\u8449\u3092\u4f75\u7528\u3059\u308b\u5834\u5408\u306b\u9650\u308a\u3001\u6b21\u306e\u3088\u3046\u306b\u5b9a\u7fa9\u3092\u6dfb\u3048\u307e\u3059\u3002\u901a\u5e38\u306e\u9280\u884c\u30e1\u30fc\u30eb\u306a\u3089\u3001\u7b2c1\u7bc0\u306e\u77ed\u3044\u4f9d\u983c\u6587\u306e\u5f62\u3067\u5fc5\u8981\u984d\u30fb\u5fc5\u8981\u65e5\u30fb\u4f7f\u9014\u3092\u4f1d\u3048\u308c\u3070\u5341\u5206\u3067\u3059\u3002<\/p>\n\n\n\n

\n

In this application, \u201coperating funds\u201d refers to the working capital needed for payroll, inventory purchases, rent, and other day-to-day expenses.<\/p>\n<\/blockquote>\n\n\n\n

\u610f\u5473\uff1a\u672c\u7533\u8acb\u306b\u304a\u3051\u308boperating funds\u3068\u306f\u3001\u7d66\u4e0e\u3001\u5728\u5eab\u4ed5\u5165\u308c\u3001\u5bb6\u8cc3\u305d\u306e\u4ed6\u306e\u65e5\u5e38\u7d4c\u8cbb\u306b\u5fc5\u8981\u306a\u904b\u8ee2\u8cc7\u91d1\u3092\u6307\u3057\u307e\u3059\u3002<\/p>\n\n\n\n

\u3053\u308c\u306f\u66f8\u304d\u65b9\u3092\u793a\u3059\u4f8b\u6587\u3067\u3001\u5b9f\u969b\u306e\u5236\u5ea6\u3084\u5951\u7d04\u306e\u5b9a\u7fa9\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u65e5\u672c\u8a9e\u3067\u4f55\u3092\u904b\u8ee2\u8cc7\u91d1\u306b\u542b\u3081\u308b\u304b\u306f\u3001\u904b\u8ee2\u8cc7\u91d1\u3068\u3057\u3066\u8a8d\u3081\u3089\u308c\u308b\u8cc7\u91d1\u4f7f\u9014<\/a>\u3067\u6574\u7406\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n

\u300c\u8abf\u9054\u3059\u308b\u30fb\u4e0d\u8db3\u3059\u308b\u30fb\u878d\u8cc7\u3092\u53d7\u3051\u308b\u300d\u306e\u82f1\u6587\u8868\u73fe<\/h2>\n\n\n\n
\"\u5358\u8a9e\u304b\u3089\u5177\u4f53\u7684\u306a\u8aac\u660e\u3078\u3092\u8aac\u660e\u3059\u308b\u56f3\"<\/a><\/figure>\n\n\n\n

working capital needs\u3068working capital requirements\u306f\u3001\u3069\u3061\u3089\u3082\u904b\u8ee2\u8cc7\u91d1\u306e\u9700\u8981\u30fb\u5fc5\u8981\u984d\u3092\u8868\u305b\u307e\u3059\u3002<\/strong>\u4e00\u822c\u7684\u306a\u8cc7\u91d1\u9700\u8981\u306e\u8aac\u660e\u306b\u306fneeds\u3001\u5fc5\u8981\u984d\u306e\u5185\u8a33\u3084\u7b97\u5b9a\u7d50\u679c\u3092\u793a\u3059\u6b04\u306b\u306frequirements\u306a\u3069\u3092\u4f7f\u3044\u307e\u3057\u3087\u3046\u3002\u63d0\u51fa\u5148\u306e\u6307\u5b9a\u304c\u3042\u308c\u3070\u3001\u305d\u306e\u8868\u8a18\u306b\u305d\u308d\u3048\u307e\u3059\u3002<\/p>\n\n\n\n

\u5358\u8a9e\u3060\u3051\u3067\u306a\u304f\u3001\u52d5\u8a5e\u3084\u4e0d\u8db3\u984d\u307e\u3067\u52a0\u3048\u308b\u3068\u3001\u76f8\u624b\u306b\u5fc5\u8981\u306a\u5bfe\u5fdc\u304c\u4f1d\u308f\u308a\u307e\u3059\u3002\u4ee5\u4e0b\u306e\u82f1\u6587\u306f\u3001\u7528\u9014\u306b\u5408\u308f\u305b\u3066\u4f7f\u3044\u5206\u3051\u308b\u305f\u3081\u306e\u4f8b\u3067\u3059\u3002<\/p>\n\n\n\n

\n\n\n\n\n\n\n\n\n
\u65e5\u672c\u8a9e<\/th>\n\u82f1\u6587\u30fb\u8868\u73fe\u4f8b<\/th>\n<\/tr>\n<\/thead>\n
\u904b\u8ee2\u8cc7\u91d1\u3092\u8abf\u9054\u3059\u308b<\/td>\nraise working capital<\/td>\n<\/tr>\n
\u5fc5\u8981\u306a\u904b\u8ee2\u8cc7\u91d1\u3092\u78ba\u4fdd\u3059\u308b<\/td>\nsecure working capital<\/td>\n<\/tr>\n
\u904b\u8ee2\u8cc7\u91d1\u878d\u8cc7\u306b\u7533\u3057\u8fbc\u3080<\/td>\napply for a working capital loan<\/td>\n<\/tr>\n
\u904b\u8ee2\u8cc7\u91d1\u3092\u88dc\u5145\u3059\u308b<\/td>\nreplenish working capital<\/td>\n<\/tr>\n
\u904b\u8ee2\u8cc7\u91d1\u304c\u4e0d\u8db3\u3057\u3066\u3044\u308b<\/td>\nWe have a working capital shortfall.<\/td>\n<\/tr>\n
\u8ffd\u52a0\u306e\u904b\u8ee2\u8cc7\u91d1\u304c\u5fc5\u8981\u3067\u3042\u308b<\/td>\nWe need additional working capital.<\/td>\n<\/tr>\n<\/tbody><\/table>\n<\/figure>\n\n\n\n

\u65e5\u672c\u9280\u884c\u306fprocure working capital\u3068\u3044\u3046\u8868\u73fe\u3082\u4f7f\u3063\u3066\u3044\u307e\u3059\u3002\u300c\u8abf\u9054\u3059\u308b\u300d\u3092\u5fc5\u305a\u4e00\u3064\u306e\u52d5\u8a5e\u306b\u56fa\u5b9a\u3059\u308b\u5fc5\u8981\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u8cc7\u91d1\u3092\u96c6\u3081\u308b\u8a71\u306a\u3089raise\u3001\u5fc5\u8981\u984d\u3092\u624b\u5f53\u3066\u3059\u308b\u8a71\u306a\u3089secure\u3001\u878d\u8cc7\u3078\u306e\u7533\u8fbc\u307f\u306a\u3089apply for a loan\u3068\u3001\u884c\u3046\u3053\u3068\u3092\u5177\u4f53\u7684\u306b\u66f8\u304d\u307e\u3059\u3002<\/p>\n\n\n\n

\u9280\u884c\u306a\u3069\u3078\u76f8\u8ac7\u3059\u308b\u82f1\u6587\u3067\u306f\u3001\u91d1\u984d\u30fb\u5fc5\u8981\u65e5\u30fb\u4f7f\u9014\u3092\u7d9a\u3051\u308b\u306e\u304c\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002<\/strong> \u6b21\u306e\u82f1\u6587\u3092\u4f7f\u3044\u3001\u91d1\u984d\u30fb\u65e5\u4ed8\u30fb\u4f7f\u9014\u3092\u81ea\u793e\u306e\u72b6\u6cc1\u306b\u7f6e\u304d\u63db\u3048\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n

\n

We need an additional JPY 5 million in working capital by September 30 to pay suppliers and payroll before the related receivables are collected.<\/p>\n<\/blockquote>\n\n\n\n

\u610f\u5473\uff1a\u95a2\u9023\u3059\u308b\u58f2\u639b\u91d1\u3092\u56de\u53ce\u3059\u308b\u524d\u306b\u4ed5\u5165\u5148\u3068\u7d66\u4e0e\u3078\u652f\u6255\u3046\u305f\u3081\u30019\u670830\u65e5\u307e\u3067\u306b\u8ffd\u52a0\u3067500\u4e07\u5186\u306e\u904b\u8ee2\u8cc7\u91d1\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n

\u3053\u306e\u91d1\u984d\u30fb\u65e5\u4ed8\u306f\u4eee\u4f8b\u3067\u3059\u3002JPY 5 million\u306f500\u4e07\u5186\u3067\u3042\u308a\u300150\u4e07\u5186\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u81ea\u793e\u306e\u5fc5\u8981\u984d\u3092\u6574\u7406\u3059\u308b\u5834\u5408\u306f\u3001\u904b\u8ee2\u8cc7\u91d1\u306e\u8a08\u7b97\u65b9\u6cd5<\/a>\u3082\u53c2\u7167\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n

working capital loan\u3068\u3044\u3046\u540d\u79f0\u3060\u3051\u3067\u306f\u3001\u8fd4\u6e08\u671f\u9593\u307e\u3067\u77ed\u671f\u3068\u306f\u6c7a\u307e\u308a\u307e\u305b\u3093\u3002\u77ed\u671f\u30fb\u9577\u671f\u306f\u878d\u8cc7\u6761\u4ef6\u306b\u3088\u308a\u307e\u3059\u3002\u4e8b\u696d\u8cc7\u91d1\u306e\u77ed\u671f\u878d\u8cc7<\/a>\u3067\u306f\u3001\u77ed\u671f\u9593\u306e\u8cc7\u91d1\u9700\u8981\u306b\u5bfe\u3059\u308b\u65b9\u6cd5\u3092\u6574\u7406\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n

\u9280\u884c\u30e1\u30fc\u30eb\u30fb\u878d\u8cc7\u7533\u8acb\u66f8\u3067\u4f7f\u3048\u308b\u82f1\u6587\u4f8b<\/h2>\n\n\n\n
\"\u9280\u884c\u30e1\u30fc\u30eb\u306b\u5165\u308c\u308b4\u70b9\u3092\u8aac\u660e\u3059\u308b\u56f3\"<\/a><\/figure>\n\n\n\n

\u5e0c\u671b\u984d\u3068\u5fc5\u8981\u7406\u7531\u306b\u52a0\u3048\u3001\u58f2\u639b\u91d1\u306e\u5165\u91d1\u4e88\u5b9a\u3084\u8fd4\u6e08\u539f\u8cc7\u307e\u3067\u66f8\u304f\u3068\u3001\u878d\u8cc7\u76f8\u8ac7\u306e\u5185\u5bb9\u304c\u5177\u4f53\u7684\u306b\u306a\u308a\u307e\u3059\u3002<\/span> \u4ee5\u4e0b\u306f\u3044\u305a\u308c\u3082\u4eee\u4f8b\u3067\u3059\u3002\u91d1\u984d\u30fb\u65e5\u4ed8\u30fb\u6dfb\u4ed8\u8cc7\u6599\u306f\u3001\u81ea\u793e\u306e\u5b9f\u614b\u306b\u5408\u308f\u305b\u3066\u7f6e\u304d\u63db\u3048\u307e\u3059\u3002<\/p>\n\n\n\n

\u9280\u884c\u3078\u306e\u76f8\u8ac7\u30e1\u30fc\u30eb<\/h3>\n\n\n\n
\n

Subject: Request for a Meeting Regarding Working Capital Financing
Dear [Name],
We would like to discuss working capital financing of JPY 10 million. The funds are needed by October 15 to cover inventory purchases and payroll before receivables from confirmed orders are collected. We have attached our cash flow forecast, accounts receivable schedule, and a breakdown of the use of funds. Please let us know your available dates for a meeting.
Sincerely,
[Name \/ Company]<\/p>\n<\/blockquote>\n\n\n\n

\u610f\u5473\uff1a1,000\u4e07\u5186\u306e\u904b\u8ee2\u8cc7\u91d1\u8abf\u9054\u306b\u3064\u3044\u3066\u9762\u8ac7\u3092\u5e0c\u671b\u3057\u3066\u3044\u307e\u3059\u3002\u53d7\u6ce8\u6e08\u307f\u6848\u4ef6\u306e\u58f2\u639b\u91d1\u56de\u53ce\u524d\u306b\u5728\u5eab\u4ed5\u5165\u308c\u3068\u7d66\u4e0e\u3092\u652f\u6255\u3046\u305f\u3081\u300110\u670815\u65e5\u307e\u3067\u306b\u8cc7\u91d1\u304c\u5fc5\u8981\u3067\u3042\u308b\u3068\u4f1d\u3048\u3066\u3044\u307e\u3059\u3002\u6dfb\u4ed8\u8cc7\u6599\u306f\u8cc7\u91d1\u7e70\u308a\u4e88\u6e2c\u3001\u58f2\u639b\u91d1\u306e\u56de\u53ce\u4e88\u5b9a\u8868\u3001\u8cc7\u91d1\u4f7f\u9014\u306e\u5185\u8a33\u3067\u3059\u3002<\/p>\n\n\n\n

cash flow forecast\u306a\u3069\u306e\u8cc7\u6599\u3092\u5b9f\u969b\u306b\u306f\u6dfb\u4ed8\u3057\u3066\u3044\u306a\u3044\u306a\u3089\u3001We have attached…\u306e\u6587\u306f\u305d\u306e\u307e\u307e\u4f7f\u3044\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

\u7533\u8acb\u66f8\u306e\u8cc7\u91d1\u4f7f\u9014\u3068\u5185\u8a33<\/h3>\n\n\n\n

\u8cc7\u91d1\u4f7f\u9014\u306fUse of Funds\u3001\u501f\u5165\u91d1\u306e\u4f7f\u9014\u3068\u660e\u793a\u3059\u308b\u306a\u3089Use of Loan Proceeds\u3068\u8868\u305b\u307e\u3059\u3002\u898b\u51fa\u3057\u306f\u63d0\u51fa\u5148\u306e\u66f8\u5f0f\u3092\u512a\u5148\u3057\u307e\u3059\u3002<\/p>\n\n\n\n

\n\n\n\n\n\n\n\n
Use of Funds: Working Capital<\/th>\nAmount<\/th>\n<\/tr>\n<\/thead>\n
Inventory purchases<\/td>\nJPY 4,000,000<\/td>\n<\/tr>\n
Payroll<\/td>\nJPY 3,000,000<\/td>\n<\/tr>\n
Rent and utilities<\/td>\nJPY 1,000,000<\/td>\n<\/tr>\n
Supplier payments<\/td>\nJPY 2,000,000<\/td>\n<\/tr>\n
Total<\/td>\nJPY 10,000,000<\/td>\n<\/tr>\n<\/tbody><\/table>\n<\/figure>\n\n\n\n

\u610f\u5473\u306f\u3001\u5728\u5eab\u4ed5\u5165\u308c400\u4e07\u5186\u3001\u7d66\u4e0e300\u4e07\u5186\u3001\u5bb6\u8cc3\u30fb\u6c34\u9053\u5149\u71b1\u8cbb100\u4e07\u5186\u3001\u4ed5\u5165\u5148\u3078\u306e\u652f\u6255\u3044200\u4e07\u5186\u3001\u8a081,000\u4e07\u5186\u3067\u3059\u3002\u5728\u5eab\u4ed5\u5165\u308c\u3068\u4ed5\u5165\u5148\u3078\u306e\u652f\u6255\u3044\u306f\u3001\u540c\u3058\u8acb\u6c42\u5206\u3092\u4e8c\u91cd\u306b\u542b\u3081\u306a\u3044\u3088\u3046\u533a\u5206\u3057\u307e\u3059\u3002<\/span><\/p>\n\n\n\n

\u8cc7\u6599\u306e\u7d44\u307f\u7acb\u3066\u306f\u3001\u904b\u8ee2\u8cc7\u91d1\u306e\u4e8b\u696d\u8a08\u753b\u66f8\u30c6\u30f3\u30d7\u30ec\u30fc\u30c8<\/a>\u3082\u53c2\u8003\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\u58f2\u4e0a\u5897\u52a0\u3068\u8fd4\u6e08\u539f\u8cc7\u306e\u8aac\u660e<\/h3>\n\n\n\n
\n

Our monthly sales are projected to increase from JPY 20 million to JPY 30 million. As a result, our inventory and accounts receivable will increase before the corresponding cash is collected. We therefore require an additional JPY 6 million in working capital.<\/p>\n<\/blockquote>\n\n\n\n

\u610f\u5473\uff1a\u6708\u5546\u304c2,000\u4e07\u5186\u304b\u30893,000\u4e07\u5186\u3078\u5897\u3048\u308b\u898b\u8fbc\u307f\u3067\u3001\u5165\u91d1\u524d\u306b\u5728\u5eab\u3068\u58f2\u639b\u91d1\u304c\u5897\u3048\u308b\u305f\u3081\u3001\u8ffd\u52a0\u3067600\u4e07\u5186\u306e\u904b\u8ee2\u8cc7\u91d1\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n

600\u4e07\u5186\u306f\u8aac\u660e\u306e\u305f\u3081\u306b\u7f6e\u3044\u305f\u5fc5\u8981\u984d\u3067\u3001\u58f2\u4e0a\u5897\u52a0\u984d\u304b\u3089\u81ea\u52d5\u7684\u306b\u7b97\u51fa\u3057\u305f\u6570\u5b57\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5b9f\u969b\u306b\u306f\u56de\u53ce\u65e5\u3001\u4ed5\u5165\u4ee3\u91d1\u306e\u652f\u6255\u65e5\u3001\u5728\u5eab\u91cf\u3092\u4f7f\u3063\u3066\u6839\u62e0\u3092\u4f5c\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\u8fd4\u6e08\u539f\u8cc7\u3092\u7d9a\u3051\u308b\u306a\u3089\u3001\u6b21\u306e\u3088\u3046\u306a\u8868\u73fe\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\n

We expect to repay the loan from customer receipts scheduled for November and December.<\/p>\n<\/blockquote>\n\n\n\n

\u610f\u5473\uff1a11\u6708\u306812\u6708\u306b\u4e88\u5b9a\u3055\u308c\u308b\u9867\u5ba2\u5165\u91d1\u304b\u3089\u878d\u8cc7\u3092\u8fd4\u6e08\u3059\u308b\u898b\u8fbc\u307f\u3067\u3059\u3002<\/p>\n\n\n\n

\u8cc7\u91d1\u4f7f\u9014\u3092For business purposes\u3060\u3051\u3067\u6e08\u307e\u305b\u305a\u3001\u4f55\u306b\u3044\u304f\u3089\u4f7f\u3046\u306e\u304b\u307e\u3067\u793a\u3057\u307e\u3057\u3087\u3046\u3002\u65e5\u672c\u8a9e\u306e\u533a\u5206\u306f\u3001\u4e8b\u696d\u6027\u8cc7\u91d1\u3068\u6d88\u8cbb\u6027\u8cc7\u91d1\u306e\u9055\u3044<\/a>\u3067\u6574\u7406\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n

cash flow\u30fboperating expenses\u30fbnet working capital\u306f\u5206\u3051\u308b<\/h2>\n\n\n\n
\"\u73fe\u91d1\u30fb\u8cbb\u7528\u30fb\u7d14\u984d\u3092\u5206\u3051\u308b\u3092\u8aac\u660e\u3059\u308b\u56f3\"<\/a><\/figure>\n\n\n\n

cash flow\u306f\u73fe\u91d1\u306e\u52d5\u304d\u3001operating expenses\u306f\u8cbb\u7528\u3001net working capital\u306f\u8ca1\u52d9\u306e\u8a08\u7b97\u5024\u3067\u3059\u3002<\/strong> \u3044\u305a\u308c\u3082\u3001\u904b\u8ee2\u8cc7\u91d1\u3068\u3044\u3046\u65e5\u672c\u8a9e\u3068\u5e38\u306b\u7f6e\u304d\u63db\u3048\u3089\u308c\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

\n\n\n\n\n\n\n
\u82f1\u8a9e<\/th>\n\u4f55\u3092\u8868\u3059\u304b<\/th>\nworking capital\u3068\u306e\u9055\u3044<\/th>\n<\/tr>\n<\/thead>\n
cash flow<\/td>\n\u4e00\u5b9a\u671f\u9593\u306e\u73fe\u91d1\u306e\u6d41\u5165\u30fb\u6d41\u51fa<\/td>\n\u8cc7\u91d1\u306e\u300c\u52d5\u304d\u300d\u3067\u3042\u308a\u3001\u5fc5\u8981\u8cc7\u91d1\u306e\u984d\u3068\u306f\u5225<\/td>\n<\/tr>\n
operating expenses<\/td>\n\u7d66\u4e0e\u3001\u5bb6\u8cc3\u306a\u3069\u306e\u55b6\u696d\u8cbb\u7528\u30fb\u4e8b\u696d\u7d4c\u8cbb<\/td>\n\u8cbb\u7528\u305d\u306e\u3082\u306e\u3068\u3001\u305d\u306e\u652f\u6255\u3044\u306b\u5099\u3048\u308b\u8cc7\u91d1\u306f\u5225<\/td>\n<\/tr>\n
capital<\/td>\n\u8cc7\u672c\u30fb\u5143\u624b\u30fb\u4e8b\u696d\u306b\u4f7f\u3046\u8cc7\u91d1\u306a\u3069<\/td>\n\u7bc4\u56f2\u304c\u5e83\u3044\u305f\u3081\u3001\u904b\u8ee2\u8cc7\u91d1\u304b\u8a2d\u5099\u6295\u8cc7\u304b\u3092\u88dc\u3046<\/td>\n<\/tr>\n
net working capital<\/td>\n\u7d14\u904b\u8ee2\u8cc7\u672c<\/td>\n\u4e00\u822c\u7684\u306b\u306f\u6d41\u52d5\u8cc7\u7523\u304b\u3089\u6d41\u52d5\u8ca0\u50b5\u3092\u5f15\u3044\u305f\u5024<\/td>\n<\/tr>\n<\/tbody><\/table>\n<\/figure>\n\n\n\n

\u4e00\u822c\u7684\u306a\u7d14\u904b\u8ee2\u8cc7\u672c\u306e\u5f0f\u306f\u3001\u6b21\u306e\u3068\u304a\u308a\u3067\u3059\u3002<\/p>\n\n\n\n

Net working capital = Current assets \u2212 Current liabilities<\/strong><\/p>\n\n\n\n

\u305f\u3068\u3048\u3070\u3001\u6d41\u52d5\u8cc7\u75231,000\u4e07\u5186\u3001\u6d41\u52d5\u8ca0\u50b5600\u4e07\u5186\u306a\u3089\u7d14\u904b\u8ee2\u8cc7\u672c\u306f400\u4e07\u5186\u3067\u3059\u3002\u305f\u3060\u3057\u3001\u6d41\u52d5\u8cc7\u7523\u306b\u306f\u58f2\u639b\u91d1\u3084\u5728\u5eab\u3082\u542b\u307e\u308c\u308b\u305f\u3081\u3001\u73fe\u91d1400\u4e07\u5186\u3092\u6301\u3063\u3066\u3044\u308b\u3053\u3068\u3068\u306f\u540c\u3058\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

Bank of America\u306e\u89e3\u8aac<\/a>\u3067\u3082\u3001net working capital\u306f\u5dee\u984d\u3067\u3059\u3002\u5272\u308a\u7b97\u3067\u6c42\u3081\u308bworking capital ratio\u3068\u306f\u533a\u5225\u3057\u3066\u3044\u307e\u3059\u3002\u7d14\u984d\u3068\u6bd4\u7387\u3092\u540c\u3058\u6570\u5b57\u3068\u3057\u3066\u6271\u308f\u306a\u3044\u3053\u3068\u3082\u5927\u5207\u3067\u3059\u3002<\/strong><\/p>\n\n\n\n

M&A\u306e\u5951\u7d04\u3084\u8ca1\u52d9\u30e2\u30c7\u30eb\u3067\u306f\u3001\u73fe\u91d1\u30fb\u77ed\u671f\u501f\u5165\u91d1\u306a\u3069\u3092\u542b\u3081\u308b\u7bc4\u56f2\u304c\u500b\u5225\u306b\u5b9a\u7fa9\u3055\u308c\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u5834\u5408\u306f\u3001\u8cc7\u6599\u306b\u66f8\u304b\u308c\u305f\u5b9a\u7fa9\u3068\u8a08\u7b97\u5f0f\u306b\u5408\u308f\u305b\u307e\u3059\u3002<\/p>\n\n\n\n

\u5b9a\u7fa9\u3092\u76f8\u624b\u306b\u5c0b\u306d\u308b\u82f1\u6587\u306e\u4f8b\uff1a<\/p>\n\n\n\n

\n

Could you confirm how working capital is defined in this form?
\u3053\u306e\u66f8\u5f0f\u3067\u306eworking capital\u306e\u5b9a\u7fa9\u3092\u3054\u78ba\u8a8d\u3044\u305f\u3060\u3051\u307e\u3059\u304b\u3002<\/p>\n<\/blockquote>\n\n\n\n

\u8a08\u7b97\u65b9\u6cd5\u3092\u81ea\u5206\u304b\u3089\u793a\u3059\u82f1\u6587\u306e\u4f8b\uff1a<\/p>\n\n\n\n

\n

We have calculated net working capital as current assets minus current liabilities.
\u5f53\u793e\u306f\u7d14\u904b\u8ee2\u8cc7\u672c\u3092\u6d41\u52d5\u8cc7\u7523\u304b\u3089\u6d41\u52d5\u8ca0\u50b5\u3092\u5dee\u3057\u5f15\u3044\u3066\u8a08\u7b97\u3057\u307e\u3057\u305f\u3002<\/p>\n<\/blockquote>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n<\/span>\n\n\n\n

\u82f1\u6587\u63d0\u51fa\u524d\u306e\u78ba\u8a8d\u3068\u3088\u304f\u3042\u308b\u8cea\u554f<\/h2>\n\n\n\n
\"\u63d0\u51fa\u524d\u306b5\u70b9\u3092\u7167\u5408\u3092\u8aac\u660e\u3059\u308b\u56f3\"<\/a><\/figure>\n\n\n\n

\u63d0\u51fa\u524d\u306f\u3001\u7528\u8a9e\u306e\u610f\u5473\u30fb\u91d1\u984d\u306e\u6841\u30fb\u5fc5\u8981\u65e5\u30fb\u8cc7\u91d1\u4f7f\u9014\u30fb\u8fd4\u6e08\u539f\u8cc7<\/strong>\u3092\u4e00\u7d44\u3067\u78ba\u304b\u3081\u307e\u3059\u3002\u7528\u8a9e\u3092\u9078\u3076\u3060\u3051\u3067\u7d42\u308f\u3089\u305a\u3001\u82f1\u8a9e\u306e\u6570\u5b57\u3068\u65e5\u672c\u8a9e\u306e\u91d1\u984d\u304c\u4e00\u81f4\u3057\u3066\u3044\u308b\u304b\u3082\u7167\u5408\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n