学习英语对话系列今天继续谈与商务有关的话题。

Chimwemwe: Thanks for meeting me for coffee. I know you’re busy, but I would appreciate some financial advice.

Diego: Of course. I’m always happy to help. What’s the issue?

Chimwemwe: Well, I want to start my own company, but I don’t have much capital. What are my options?

Diego: One option is to take out a loan. You want to make sure you get a good interest rateand that the financial institution is stable and trustworthy.

Chimwemwe: I’ve looked at different lenders and have found some good ones. But part of me doesn’t want to rely on borrowing.

Diego: If your business seems like it will be very lucrative, you may be able to get a venture capitalist to invest in your business.

Chimwemwe: That’s a good idea. Since you work in finance, would you happen to know of anyone I can talk to about this?

Diego: I think I can get you at least a couple of contacts.

Chimwemwe: That’s fantastic! Thank you.

词语解释（程度较高的读者也可以选择听对话词语的英文解释）

Capital：资本，指用于投资或创业的资金财产

A loan：一笔借贷

An interest rate：利息

A financial institution：金融机构，如银行或投资公司

Lenders：出贷方

Borrowing：借款

Lucrative：赚钱的，生利的

A venture capitalist：风险投资人/机构，即对新创或准备扩大的企业进行投资并成为其部分拥有者以期获巨额利润的投资人或投资机构

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Everyday conversations for English learners: Starting a business [audio]
Learning to speak English? Our Everyday Conversations help you practice. Click the audio link to hear a native speaker pronounce each word while you read. Key terms are explained at the end. Today’s conversation is on starting a business.

Audio: 
 http://share.digital2.getusinfo.com/wp-content/uploads/2015/06/21.-Starting-a-Business.mp3

This continues our Everyday Conversations about business.

Chimwemwe: Thanks for meeting me for coffee. I know you’re busy, but I would appreciate some financial advice.

Diego: Of course. I’m always happy to help. What’s the issue?

Chimwemwe: Well, I want to start my own company, but I don’t have much capital. What are my options?

Diego: One option is to take out a loan. You want to make sure you get a good interest rateand that the financial institution is stable and trustworthy.

Chimwemwe: I’ve looked at different lenders and have found some good ones. But part of me doesn’t want to rely on borrowing.

Diego: If your business seems like it will be very lucrative, you may be able to get a venture capitalist to invest in your business.

Chimwemwe: That’s a good idea. Since you work in finance, would you happen to know of anyone I can talk to about this?

Diego: I think I can get you at least a couple of contacts.

Chimwemwe: That’s fantastic! Thank you.

Now let’s review the vocabulary

Capital is money, property, etc., that is used for investment or for starting a business.

A loan is money that someone or a company/corporation borrows from a financial institution or an individual for a period of time with a promise that it will be paid back; often the person must pay interest.

An interest rate is the percentage of the amount of money borrowed that the borrower must pay to the lending institution in addition to the amount of the loan.

A financial institution is a company such as a bank or investment company that provides financial services like loans, investments, etc.

Lenders are financial institutions or individuals who lend money that is then paid back with interest.

Borrowing means taking money from a bank or other financial institution with the intention of paying it back over a specified period of time, usually with interest.

Lucrative, especially when said of a business or job, means producing a lot of money or profit.

A venture capitalist is a person or financial organization that invests in new businesses or the expansion of small companies, becoming a partial owner of the business and with the goal of making a large profit.

The American English website offers a variety of free resources for learners and teachers of English. The American English Facebook page posts learning materials for English-language learners daily.