The Global Community Bank, under terms of its long$-$term banking agreement with the company, have agreed to lend the company additional monies should you elect to use debt to help finance growth and other financial needs; the interest rate the GCB charges on such loans is tied to the payback period $(1-$year, $5-$years, $10-$years$)$ and also to

how much the company has already borrowed against its ongoing $$75$ million credit line with the GCB and its debt$-$assets ratio.

how many consecutive years the company has been profitable and its debt$-$assets ratio.

the company's ROE, net profit margins, free cash flows the past two years, and the amount of cash on hand the company has to make interest payments.

going interest rates in world financial markets and to the company's current credit rating.

the company's current credit rating and prior$-$year rate of return on stockholders' equity.