ability to borrow and

USAGE SUMMARY

The phrase "ability to borrow and" is correct and usable in written English.
It can be used when discussing someone's capacity or permission to take something, typically in a financial or resource context. Example: "The applicant demonstrated the ability to borrow and manage funds effectively for the project."

✓ Grammatically correct

News & Media

Encyclopedias

Academia

Human-verified examples from authoritative sources

Exact Expressions

17 human-written examples

It costs £90 and, like bankruptcy, restricts your ability to borrow and wrecks your credit rating.

The Guardian - Money

"I'm telling you that on the 17th, we run out of our ability to borrow, and Congress is playing with fire".

The Guardian

"The benefit cap will reduce housing associations' ability to borrow and that reduces the number of new homes they can build".

The Guardian

Berlin made clear that the Greek government would have to exhaust its ability to borrow, and that any rescue would have to involve the International Monetary Fund.

The New York Times

Local authorities are also limited in their ability to borrow and to raise taxes, which are set by the central government.

Britannica

Consumers' ability to borrow and spend may be nearing its limit.That leaves businesses as the last potential source of continued growth.

The Economist

Human-verified similar examples from authoritative sources

Similar Expressions

43 human-written examples

It may be that private equity makes money by operating companies more efficiently, but some instead argue that private equity's success is attributable to the ability to borrow heavily and reap value through leverage and tax deductions.

The New York Times

In addition to execution and custody services, a prime broker provides hedge funds with the ability to borrow stocks and bonds (known as "securities lending") and to borrow money to buy stocks and bonds (known as "margin financing capabilities").

Forbes

Finance ministry data suggest that local and provincial governments, with little ability to borrow internationally and with domestic interest rates still high, will barely increase spending next year even before adjusting for inflation.

The New York Times

His talent lay in his ability to borrow liberally and synthesize confidently, with elegant color combinations, bold scale and, in particular, an unerring sense of abstract composition that reflected his late-blooming grasp of Cubist structure.

The New York Times - Arts

Congress was facing September deadlines for both the federal government's ability to borrow money and the funding of the government.

The New Yorker

Expert writing Tips

Best practice

When discussing financial constraints, use "ability to borrow and" to clearly indicate the limitations on acquiring funds, as this phrase succinctly conveys both the capacity and the action.

Common error

Avoid using "ability to borrow and" when you actually mean the willingness or intent to borrow. Ability refers to capacity, while willingness refers to desire. For example, "They have the ability to borrow, but lack the willingness to invest" clarifies this distinction.

Linguistic Context

The phrase "ability to borrow and" functions as a noun phrase acting as a subject or object in a sentence. It describes the capacity or power to take on debt, frequently in financial contexts. Ludwig AI confirms the phrase's grammatical correctness and usability.

Expression frequency: Common

Frequent in

News & Media

65%

Encyclopedias

15%

Academia

10%

Less common in

Formal & Business

5%

Science

3%

Reference

2%

Ludwig's WRAP-UP

The phrase "ability to borrow and" is a common and grammatically sound expression used to denote the capacity to acquire funds, as affirmed by Ludwig AI. Primarily found in News & Media, Encyclopedias, and Academia, it serves the purpose of describing financial capabilities or limitations. While alternatives like "capacity to borrow and" or "potential to borrow and" exist, it's crucial to differentiate between ability and willingness. This phrase is best used to specify the capacity to borrow, avoiding confusion with the intent or desire to do so. Understanding these nuances ensures clear and precise communication in financial and economic discussions.

More alternative expressions

Phrases that express similar concepts, ordered by semantic similarity:

capacity to borrow and

Replaces "ability" with "capacity", emphasizing the potential or inherent power to borrow.

capability to borrow and

Substitutes "ability" with "capability", focusing on the qualified or trained means to borrow.

potential to borrow and

Uses "potential" instead of "ability", highlighting the possibility of borrowing.

scope to borrow and

Replaces "ability" with "scope", indicating the extent or range within which borrowing is possible.

room to borrow and

Substitutes "ability" with "room", suggesting available opportunity to borrow.

power to borrow and

Emphasizes authority or control to borrow.

right to borrow and

Highlights the entitlement or legal permission to borrow.

funds available to borrow and

Focuses on the financial resources ready for borrowing.

access to borrowing and

Indicates the means or opportunity to borrow.

resources to borrow and

Highlights the available funds and means to borrow.

FAQs

How can I use "ability to borrow and" in a sentence?

You can use "ability to borrow and" to describe someone's financial capacity. For example, "The company's "ability to borrow and" invest in new technologies is crucial for its future growth."

What are some alternatives to "ability to borrow and"?

Alternatives include "capacity to borrow and", "capability to borrow and", or "potential to borrow and", depending on the specific context you want to emphasize.

Is it correct to say "borrowing ability" instead of "ability to borrow"?

While "borrowing ability" is understandable, "ability to borrow" is generally more grammatically standard and clear, particularly when followed by "and" and another action.

What factors affect a person's "ability to borrow and"?

Several factors influence a person's "ability to borrow and", including credit score, income, existing debt, and the overall economic climate. These factors determine the terms and conditions of loans.