Unit 3.

1. Запомните следующие слова, выражения и словосочетания:

road haulage – грузоперевозка

start-upfunding – первоначальный капитал

sole proprietor – единоличный владелец

chilled food – охлажденная еда

customer – клиент

set up a small business – начать небольшой бизнес

to have in mind – иметь в виду

in case of emergency – в случае крайней необходимости

preliminary enquiries – предварительные справки (запрос)

book-keeping – бухгалтерский учет

venture – предприятие

as security – в качестве гарантии

a detailed cash-flow forecast – детальный прогноз дохода и расхода

annual percentage rate – годовая процентная ставка

a little on the optimistic side – слишком оптимистичный

to borrow – брать взаймы

fixed asset – основные активы

application – заявление

a letter of confirmation – письмо-подтверждение

bank charges – банковский налог

turnover – оборот

2. Прочтите и переведите диалоги; предварительно ознакомьтесь с ситуацией и участниками разговора.

Setting up a business.

Situation: Hans Gast wants to set up his own road haulage business, based in Cardiff. He draws up a business plan and approaches his bank for start-up funding. Later, business is going well, and he and his partner, Andreas Tsoulas, decide that the time is right to expand – but first they have to persuade bank to lend them the additional funding.

Characters: Hans Gast is studying business in South Wales. He is German.

Richard Price is a bank manager. He is Welsh.

Andreas Tsoulas is a businessman. He is Greek.

***

Hans: Good morning – is that the manager?

Richard: Speaking.

Hans: Hello. My name is Gast, Hans Gast. I’m from Germany, but I’m living in Cardiff and I’m a customer of your bank. Why I’m calling, I’ve been taking a business course at Cardiff Polytechnic, and I would like to set up a business of my own here in South Wales.

Richard: Oh, yes. And what sort of business do you have in mind?

Hans: Well, I’d like to tell you about it personally, if I can come and see you.

Richard: Of course. You’re most welcome to come in here and have a talk Mr … Gast did you say?

Hans: Yes, Gast, that’s right.

Richard: Do you have a business plan? It can save a lot of time if …

Hans: A business plan? Of course, I have already prepared one.

Richard: Splendid. Let me have a look in my diary. How about Monday morning, the 17^th, at ten o’clock?

Hans: Yes, ten o’clock Monday morning will suit me fine.

Richard: I look forward to seeing you then, Mr. Gast. Goodbye.

3. Прочитайте и переведите бизнес-план, который составил Ханс.

I wish to set up a refrigerated road transport business, with myself as sole proprietor. Initially, I’ll have one truck with a load capacity of 1.5 tones. I’ll undertake deliveries for chilled food distributors, offering them a service on which they know they can rely at short notice and in case of emergency. I have made preliminary enquiries with a number of firms, which I contacted while following a marketing course at Cardiff Polytechnic. Their response was very favorable.

I’ll drive the truck myself and I also employ part-time drivers. My fiancée will help with administration, book-keeping and telephone enquiries. Her parents have offered us the use of a room in their house as an office, until we can find a small office to rent.

To finance this venture, I have ₤10,000 capital. My start-up costs will total ₤25,000. I’m therefore seeking a bank loan of ₤15,000. I can offer the truck (estimated value ₤20,000) as security.

I have prepared a detailed cash-flow forecast for the first year of operation, and this shows that the break even point is reached after twenty-two months. This assumes a bank loan of ₤15,000 over five years at an annual percentage rate of 18.5%, with interest-only repayments during the first six months.