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Classify each of the following sources of new financing as

(Identifying spontaneous, temporary, and permanent sources of financing)

Classify each of the following sources of new financing as spontaneous, temporary, or permanent (explain):

A manufacturing firm enters into a loan agreement with its bank that calls for annual principal and interest payments spread over the next four years.
A retail firm orders new items of inventory that are charged to the firm's trade credit.
A Crown firm issues common stock to the public and uses the proceeds to upgrade its tractor fleet.

please provide explanation.

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