The Finance Interpreter's Lexicon
English–Spanish · Spanish–English · RAE-verified · Regional Variants
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The Finance Interpreter's Lexicon
English–Spanish · Spanish–English · RAE-verified · Regional Variants · Graciela Prieto
v1.0
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🎯 Assignment Prep Mode
Choose your assignment type to instantly surface the most critical terms to review before you walk in. Every entry has a pronunciation button.
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Earnings Call
Quarterly results, guidance
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M&A Deal
Mergers, acquisitions, due diligence
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IMF / World Bank Meeting
Policy, development, structural reform
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Trade Summit
Tariffs, Incoterms, sanctions
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Corporate AGM
Governance, shareholders, dividends
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Central Bank Press Conference
Monetary policy, rates, QE
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IPO Roadshow
Listing, prospectus, underwriting
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Debt Restructuring
Haircut, quita, sovereign debt
✏️ Financial Report Builder
Choose your parameters to generate a professional bilingual financial summary. Each regeneration uses a different sentence structure. Copy either language with one tap.
🇬🇧 English
🇪🇸 Spanish
⚡ Day-of-Assignment Quick Card
The 20 highest-risk terms every finance interpreter must know cold. Print and tuck into your notepad before every assignment.
📊 Quick Reference Tables
Essential reference data for finance interpreters: credit ratings, financial ratios, Incoterms, number scales, and Basel III requirements.
Credit Rating Scales — S&P / Moody's / Fitch
S&P / FitchMoody'sCategorySpanishNotes
AAAAaaInvestment gradeGrado de inversiónHighest quality
AA+/AA/AA−Aa1/Aa2/Aa3Investment gradeGrado de inversiónVery high quality
A+/A/A−A1/A2/A3Investment gradeGrado de inversiónHigh quality
BBB+/BBB/BBB−Baa1/Baa2/Baa3Investment gradeGrado de inversiónAdequate quality — lowest IG
BB+/BB/BB−Ba1/Ba2/Ba3SpeculativeGrado especulativoJunk / bono basura threshold
B+/B/B−B1/B2/B3SpeculativeGrado especulativoHighly speculative
CCC/CC/CCaa/Ca/CDistressedEn dificultadesNear or in default
DDefaultEn incumplimientoDefault has occurred
Key Financial Ratios — EN / ES
Ratio (EN)Ratio (ES)FormulaInterpretation
Current ratioRatio de liquidez corrienteCurrent assets ÷ Current liabilities>1 = solvent short-term
Quick ratio / Acid testPrueba ácida(Current assets − Inventory) ÷ Current liabilitiesStricter liquidity test
Debt-to-equity (D/E)Ratio de endeudamientoTotal debt ÷ Shareholders' equityHigher = more leveraged
ROERentabilidad financieraNet income ÷ Shareholders' equityReturn for shareholders
ROARentabilidad económicaNet income ÷ Total assetsAsset efficiency
EBITDA marginMargen EBITDAEBITDA ÷ Revenue × 100Operational profitability %
Gross marginMargen bruto(Revenue − COGS) ÷ Revenue × 100Production efficiency %
Interest coverageCobertura de interesesEBIT ÷ Interest expense>1.5 generally safe
P/E ratioPERShare price ÷ EPSMarket valuation multiple
Incoterms 2020 — Quick Reference
TermSpanishRisk transfers at…Who pays freight
EXW — Ex WorksEn fábricaSeller's premisesBuyer
FCA — Free CarrierFranco transportistaNamed placeBuyer
FOB — Free On BoardFranco a bordoPort of origin (on board)Buyer
CFR — Cost and FreightCoste y fletePort of origin (on board)Seller (freight only)
CIF — Cost, Insurance, FreightCosto, seguro y fletePort of origin (on board)Seller (freight + insurance)
DAP — Delivered at PlaceEntregada en lugarNamed destinationSeller
DDP — Delivered Duty PaidEntregada con derechos pagadosNamed destinationSeller (incl. duties)
Number Scale — English vs Spanish (CRITICAL)
EnglishFigureSpanishInterpreter note
Thousand1,000MilNo conflict
Million1,000,000MillónNo conflict
Billion ⚠️1,000,000,000 (10⁹)Mil millonesNOT billón — ×1,000 error risk
Trillion ⚠️1,000,000,000,000 (10¹²)BillónEnglish trillion = Spanish billón
Quadrillion10¹⁵Mil billonesRare in finance
Basel III — Key Capital Requirements
RequirementSpanishMinimum ratioNotes
Tier 1 capital ratioRatio de capital de nivel 16%Core capital / RWA
Common equity Tier 1 (CET1)Capital ordinario de nivel 14.5%Highest quality capital
Total capital ratioRatio de capital total8%Tier 1 + Tier 2
Leverage ratioRatio de apalancamiento3%Tier 1 / Total exposure
Liquidity coverage ratio (LCR)Ratio de cobertura de liquidez100%30-day stress test
Net stable funding ratio (NSFR)Ratio de financiación estable neta100%1-year funding stability
International Organizations — Always Use Spanish Acronym
EnglishAcronym ENSpanishAcronym ES
International Monetary FundIMFFondo Monetario InternacionalFMI
World Trade OrganizationWTOOrganización Mundial del ComercioOMC
OECDOECDOrg. para la Cooperación y el Desarrollo EconómicosOCDE
Inter-American Development BankIDBBanco Interamericano de DesarrolloBID
International Finance Corp.IFCCorporación Financiera InternacionalCFI
Financial Stability BoardFSBConsejo de Estabilidad FinancieraCEF
International Financial Reporting StandardsIFRSNormas Internacionales de Información FinancieraNIIF
📱 QR Codes — Scan to Open on Mobile
Each QR code opens this app pre-filtered for that assignment type. Print them in your preparation materials or save to your phone.

The Finance Interpreter's Lexicon

Scan to open the full app on any device.

finance.interplexicon.com
How to use QR codes in your work: Print the relevant QR code in your assignment brief so you can scan it mid-assignment. Save the "Critical Terms Only" QR in your phone photos for instant access before booth work.
🎙️ Live Term Detection
Tap the microphone and speak — or play audio from the booth. The app listens continuously and surfaces glossary entries the moment finance terms are detected. No typing needed.
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Live Transcript
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Detected Terms
Detected glossary terms will appear here as you speak…
Tips for best results: Use Chrome or Safari for highest accuracy. Speak clearly at normal pace. Terms are matched even when partially spoken (e.g. "EBIT" matches "EBITDA"). Works best with a microphone close to the speaker — the booth audio feed if available.
🎓 Practice Exercises
Drill the finance lexicon with flashcards, multiple choice, and fill-in-the-blank. Both EN↔ES directions. Tracks your score.
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Flashcards
Tap to flip
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Multiple Choice
Pick from 4 options
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Fill in the Blank
Type the translation
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Install The Finance Interpreter's Lexicon
Works on phone, tablet and computer — access offline anytime
❓ Help & Troubleshooting
Common issues and how to fix them — for computer, tablet and phone.
🎙️ Live Tab — Microphone & Transcription
The mic icon is tilting or not responding
This happens in older versions of the app. Make sure you have the latest version by clearing your browser cache:
Chrome/Edge: Press Cmd+Shift+R (Mac) or Ctrl+Shift+R (Windows)
Safari: Hold Shift and click Reload
Microphone access denied
Chrome/Edge (desktop): Click the padlock 🔒 in the address bar → Site settings → set Microphone to Allow → reload the page

Safari (iPhone/iPad): Go to Settings → Safari → Microphone → Allow

Chrome (Android): Tap the padlock in the address bar → Permissions → Microphone → Allow
Transcription stops after a few sentences
This is normal browser behaviour — Chrome's speech recognition pauses after ~7 seconds of silence. The app restarts automatically. Keep speaking continuously for best results. For booth work, this matches natural speech patterns.
No text appearing at all
1. Use Chrome or Safari — Firefox and Internet Explorer do not support speech recognition
2. Make sure you have a working microphone connected
3. Check your internet connection — speech recognition requires a connection to work
4. Try the Google speech demo to confirm your mic works: google.com/intl/en/chrome/demos/speech.html
Terms not being detected
Speak clearly at a normal pace. The app matches single words and short phrases — say "asset", "EBITDA", "dividend" clearly. Background noise reduces accuracy. For best results use a headset or speak close to the microphone.
Best browsers for Live tab
Chrome (desktop + Android) — best accuracy
Safari (iPhone/iPad/Mac) — works well
Edge (desktop) — works well
Firefox — not supported
Internet Explorer — not supported
📖 Glossary — Entries Not Loading
Error: "Could not load entries" or HTTP 401
This is a connection error. Check your internet connection and reload the page. If the problem persists, try clearing your browser cache (Cmd+Shift+R or Ctrl+Shift+R).
App loads slowly on first visit
The first load fetches all 334 entries from the database. Subsequent visits are instant because entries are cached. For offline use, install the app (see below).
🔑 Unlock Code
Where do I find my unlock code?
Your unlock code is printed on the last page of your copy of The Finance Interpreter's Lexicon (EPUB or PDF). The code format is FINANCE-2026.
Code says "invalid"
Make sure you type the code exactly as printed — all caps, with the hyphen. Try copy-pasting it directly from your ebook. If the problem persists, contact graceesltutor@gmail.com.
I unlocked on one device — does it work on others?
Yes — enter the same code on each device. The code can be used on your computer, tablet and phone. The unlock is stored locally on each device.
📱 Installing the App
iPhone / iPad
Open finance.interplexicon.com in Safari → tap the Share button (□↑) → tap "Add to Home Screen" → tap Add. The app icon will appear on your home screen and works offline.
Android
Open in Chrome → tap the 3-dot menu → tap "Add to Home Screen" or "Install app". Works offline once installed.
Desktop (Mac / Windows)
Open in Chrome or Edge → look for the install icon (⊕) in the address bar → click it → click Install. The app opens as a standalone window and works offline.
⏱️ Live Hours
How many free hours do I get?
Book owners (with FINANCE-2026 code) get 30 free minutes of Live transcription. Additional hours are available at interplexicon.com.
My hours aren't showing / reset
Hours are stored locally on your device. If you clear your browser data or use a different browser, you'll need to re-enter your hours code. Keep your code safe — it's in your purchase confirmation email.
Where to buy more hours
Visit interplexicon.com — Starter (5h), Pro (10h), Power (20h) and Annual (100h) packs available.
Still having trouble?
Contact Graciela directly — usually responds within 24 hours.
📧 graceesltutor@gmail.com