Question: Ballard wants to start a new business. To get start-up capital, he takes a short-term loan from a bank. The bank agrees to provide him the agreed-upon funds as per a legally binding commitment. However, the bank requires Ballard to pay interest on any fund he borrows and a commitment fee based on the unused amount of funds. Which of the following short-term financing sources does Ballard utilize to fund his business in the given scenario? Group of answer choices Factoring Commercial paper Trade credit Revolving credit agreement