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Regional Credential Exam

Total questions: 80

Worksheet time: 3hrs 40mins

Name
Class
Date
1.
Funds lent to a business with an agreement that the business will repay the lender with interest.
a)
cost of goods sold
b)
credit/debt
c)
deductible
d)
covered loss
e)
None
2.
A person or business with a strong credit score and the financial resources that make it likely that they will be able to repay a loan.
a)
credit-worthiness
b)
guarantor
c)
corporation
d)
angel investor
e)
None
3.
Internet phenomenon where strangers learn about your business online and then decide whether or not to make an investment.
a)
go/no go
b)
marketing
c)
default
d)
crowdfunding
e)
None
4.
The amount that an insurance company makes a policyholder pay as part of any claim.
a)
credit/debt
b)
covered loss
c)
deductible
d)
dividend
e)
None
5.
Failure to repay a loan
a)
credit-worthiness
b)
default
c)
credit/debt
d)
equity
e)
None
6.
The act of making a business different than its competitors.
a)
determination
b)
differentiation
c)
default
d)
grit
e)
None
7.
Money paid by a company to a person who owns stock in that company.
a)
capital
b)
dividend
c)
equity
d)
loan
e)
None
8.
Funds contributed by investors to a business.
a)
credit/debt
b)
dividends
c)
covered loss
d)
equity
e)
None
9.
The option a supplier might grant a company to pay their bills later than they normally would.
a)
extended payment terms
b)
deductible
c)
fixed cost
d)
installment payment
e)
None
10.
The 12 month period a company uses to report financial results.
a)
fiscal year
b)
payment installments
c)
breakeven cost
d)
fixed costs
e)
None
11.
Costs that do not vary based on the units sold by your enterprise.
a)
fixed cost
b)
variable cost
c)
deductible
d)
payment installments
e)
None
12.
A credit-worthy individual or business with sufficient liquidity that promises to repay a loan in the event that a debtholder can’t make a required payment.
a)
stakeholder
b)
guarantor
c)
angel investor
d)
entrepreneur
e)
None
13.
A special account where individuals can deposit retirement funds that can grow until withdrawn after retirement.
a)
Individual Veteran Account
b)
Individual Responsibility Account
c)
Individual Refund Account
d)
Individual Retirement Account
e)
None
14.
Debt you owe someone that is paid in monthly payments.
a)
installment payments
b)
cost of goods sold
c)
dividends
d)
bank loan
e)
None
15.
The amount an insurance policyholder receives from the insurance company to reimburse them for a covered loss.
a)
insurance investment
b)
insurance credit
c)
insurance claim
d)
insurance policy
e)
None
16.
Money owed by a company to a supplier.
a)
account payable
b)
account receivable
c)
collateral
d)
bond
e)
None
17.
Goods that are pledged to the bank in the case that the company can't make a loan payment.
a)
commission
b)
assets
c)
brokerage
d)
collateral
e)
None
18.
The unit price minus the cost of the good sold.
a)
contribution margin
b)
capital expenditures
c)
account payable
d)
cost of goods sold
e)
None
19.
Money owed by a customer to a company.
a)
bond
b)
conflict of interest
c)
account receivable
d)
account payable
e)
None
20.

Typically friends or family who make investments in an enterprise in order to help support an entrepreneur.

a)

angel investors

b)

brokerage

c)

corporation

d)

insurance policyholder

21.

Money you are paid when you sell something.

a)

cost of goods sold

b)

deductible

c)

commission

d)

investments

22.

Something of value that is owned.

a)

assets

b)

cash instruments

c)

bonds

d)

insurance claim

23.

a loan

a)

collateral

b)

insurance

c)

bond

d)

investment

24.

A company that provides individuals and companies with access to financial markets.

a)

corporation

b)

brokerage

c)

insurance

d)

enterprise

25.

debt from a bank

a)

interest

b)

dividends

c)

shareholders

d)

bank loan

26.

Funds contributed by investors to a business.

a)

capital

b)

cash flow

c)

cash instruments

d)

assets

27.

A loss that an insurance company will reimburse a policyholder for in the event of a claim.

a)

insurance claim

b)

deductible

c)

covered loss

d)

account payable

28.

Cash, stocks, or bonds that can be quickly turned into cash.

a)

cash instruments

b)

cash flow

c)

capital expenditures

d)

capital

29.

The costs that make up one unit of what you sell.

a)

unit cost

b)

cost of goods sold

c)

commission

d)

deductible

30.

Expenditures (spending money) on equipment that the business will use for many years.

a)

capital expenditures

b)

bank loan

c)

cost of goods sold

d)

contribution margin

31.

The total amount of money being transferred into and out of a business.

a)

breakeven analysis

b)

cash flow

c)

contribution margin

d)

account receivable

32.

a determination of how many units are needed to sell in order to pay for all of the fixed costs.

a)

cost of goods sold

b)

breakeven analysis

c)

dividend

d)

contribution margin

33.

An obligation you have to pay someone else money.

a)

lien

b)

default

c)

liability

d)

judgement

34.

The right to take possession of collateral until a debt is repaid.

a)

judgement

b)

securities

c)

lien

d)

maturity

35.

Cash or securities that can be immediately turned into cash, which can then repay any loan amount outstanding.

a)

liquid assets

b)

insurance premium

c)

net income

d)

cash flow

36.

The date that a loan is repaid in full.

a)

debt

b)

maturity

c)

bank loan

d)

mortgage

37.

The money a person borrows to buy real estate.

a)

mortgage

b)

bank loan

c)

share

d)

liability

38.

Revenue after cost (what’s left after deducting costs and taxes).

a)

cost of goods sold

b)

account payable

c)

net income

d)

contribution margin

39.

Other types of debt other than a mortgage

a)

notes payable

b)

bonds

c)

securities

d)

account receivable

40.

An investment worth money; indicating ownership

a)

securities

b)

lien

c)

unencumbered

d)

judgement

41.

One of the equal parts into which a company’s capital is divided, entitling the holder to a proportion of the profits

a)

securities

b)

shares

c)

net income

d)

inventory

42.

An individual or company that owns shares in a company.

a)

shareholder

b)

insurance policyholder

c)

angle investor

d)

gaurantor

43.

Assets that are not already pledged as a guarantee to repay another loan.

a)

share

b)

commission

c)

dividend

d)

unencumbered

44.

The individual or business that purchases an insurance policy for various types of protection.

a)

credit-worthy

b)

insurance policyholder

c)

guarantor

d)

angel investor

45.

The amount a policyholder pays for an insurance policy

a)

deductible

b)

insurance claim

c)

insurance premium

d)

dividend

46.

The merchandise that a company sells to its customers.

a)

inventory (units)

b)

dividends

c)

liquid assets

d)

commission

47.

A legal decision requiring a person or company to pay another person or company.

a)

liability

b)

bank loan

c)

unencumbered

d)

judgement

48.

A loan that provides the borrower with the maximum amount of money he/she can borrow.

a)

installment payment

b)

liquid ratios

c)

line of credit

d)

obligation

49.

Ratios that a lending company calculates to determine how likely it is to have the liquidity to repay the debt payments.

a)

liquid ratios

b)

line of credit

c)

mortgage

d)

liquid assets

50.

An investment security that includes different stocks purchased together

a)

assets

b)

securities

c)

shares

d)

mutual funds

51.

A payment that is owed every month.

a)

obligation

b)

notes payable

c)

maturity

d)

equity

52.

Debt obtained from a number or online companies.

a)

pro forma

b)

cash instruments

c)

online credit

d)

bank loan

53.

The percentage of a loan charges when a small business receives a loan.

a)

share

b)

origination fee

c)

securities

d)

overdraft

54.

When a company issues a check for an amount greater than the amount the company has deposited in the bank.

a)

online credit

b)

origination fee

c)

contribution margin

d)

overdraft

55.

Costs that a business incurs that are not part of production or sells, but are required to operate legally and efficiently.

a)

overhead

b)

capital expenditures

c)

net income

d)

origination fee

56.

Owning an asset without any associated debt.

a)

obligation

b)

line of credit

c)

own "free and clear"

d)

secured debt

57.

A legal agreement that allows the lender to take possession of the assets and sell it to repay the funds owed by a borrower in the event the borrower is unable to repay the debt.

a)

pledged

b)

selling

c)

obligation

d)

costs of goods sold

58.

The amount of money that is borrowed.

a)

unencumbered

b)

overdraft

c)

maturity

d)

principal

59.

A business’s future financial performance projections

a)

pro forma

b)

costs of goods sold

c)

revenue

d)

overhead

60.

Revenues minus costs

a)

revenue

b)

breakeven analysis

c)

costs of goods sold

d)

profit

61.

Unit price minus cost of goods sold.

a)

profit per unit

b)

overhead

c)

default

d)

overdraft

62.

3 month period

a)

semester

b)

total costs

c)

75 cents

d)

quarter

63.

Includes property and the buildings on it.

a)

sweat equity

b)

mortgage

c)

real estate

d)

insurance claim

64.

Repaying a loan.

a)

satisfying a loan

b)

unsecured debt

c)

secured debt

d)

liability

65.

Debt that includes a legal obligation by the borrower to repay the debt personally if the business is unable to make its scheduled debt payment.

a)

net income

b)

securities

c)

secured debt

d)

crowdfunding

66.

A type of investment.

a)

lien

b)

maturity

c)

mortgage

d)

security

67.

How a business moves a customer to buy their product or service.

a)

selling

b)

cash flow

c)

cash instruments

d)

share

68.

Costs that vary based on the number of units sold.

a)

fixed costs

b)

capital

c)

semi-variable costs

d)

notes payable

69.

All people or companies associated with an enterprise.

a)

stakeholders

b)

suppliers

c)

guarantors

d)

angel investors

70.

Shares of ownership in a company.

a)

stocks

b)

dividends

c)

units

d)

mutual funds

71.

A company that provides a good or service to another company.

a)

real estate

b)

guarantor

c)

angle investor

d)

supplier

72.

The hard work that a small business owner puts   into forming, founding, and operating his/her business.

a)

profit

b)

sweat equity

c)

capital

d)

determination

73.

The exact customers and market sector that the business intends to serve.

a)

target market

b)

suppliers

c)

angle investors

d)

real estate agents

74.

Fixed costs plus variable costs.

a)

total costs

b)

dividends

c)

cost of goods sold

d)

overhead

75.

Units times price.

a)

variable costs

b)

fixed costs

c)

total revenue

d)

contribution margin

76.

Companies that conduct business with a company, and that can document how well a company pays its bills to its suppliers.

a)

trade references

b)

suppliers

c)

securities

d)

policy holders

77.

Refers to the “things” that the company sells.

a)

shares

b)

units

c)

line of credit

d)

collaterals

78.

Debt that does not include a promise by a guarantor to repay the loan in the event the debtholder is unable to make a required payment.

a)

secured debt

b)

unsecure debt

c)

bank debt

d)

default

79.

Costs that vary based on the units sold by your enterprise.

a)

profit costs

b)

fixed costs

c)

variable costs

d)

sales costs

80.

An individual or company that owns shares in a company.

a)

shareholder

b)

insurance policyholder

c)

supplier

d)

real estate agen

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