vasilli sells used cars which he buys from rental agencies. the agencies usually require part of the payment upfront or proof that payment will be made on delivery. because vasilli has been in business for many years, and has used the same bank for his business for the entire time he has been in business, he works out an agreement with his banker that the bank will advance him funds for a short term at prime interest rate plus one percent without collateral because he has a good credit rating. what kind of transaction did vasilli enter into with the bank?