Explain how a firm that expects to need funds during the coming year might make sure that the needed funds will be available. How does the cost of costly trade credit generally compare with the cost of short-term bank loans in terms of the interest costs? What is commercial paper? What types of companies can use commercial paper to meet their short-term financing needs? How does the cost of commercial paper compare with the cost of short-term bank loans? With the cost of Treasury bills? What are some types of current assets that are pledged as security for short-term loans