Choose your assignment type to instantly surface the most critical terms to review before you walk in. Every entry has a pronunciation button.
📣
Earnings Call
Quarterly results, guidance
🤝
M&A Deal
Mergers, acquisitions, due diligence
🌍
IMF / World Bank Meeting
Policy, development, structural reform
🌐
Trade Summit
Tariffs, Incoterms, sanctions
🏛️
Corporate AGM
Governance, shareholders, dividends
🏦
Central Bank Press Conference
Monetary policy, rates, QE
🚀
IPO Roadshow
Listing, prospectus, underwriting
⚖️
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 / Fitch
Moody's
Category
Spanish
Notes
AAA
Aaa
Investment grade
Grado de inversión
Highest quality
AA+/AA/AA−
Aa1/Aa2/Aa3
Investment grade
Grado de inversión
Very high quality
A+/A/A−
A1/A2/A3
Investment grade
Grado de inversión
High quality
BBB+/BBB/BBB−
Baa1/Baa2/Baa3
Investment grade
Grado de inversión
Adequate quality — lowest IG
BB+/BB/BB−
Ba1/Ba2/Ba3
Speculative
Grado especulativo
Junk / bono basura threshold
B+/B/B−
B1/B2/B3
Speculative
Grado especulativo
Highly speculative
CCC/CC/C
Caa/Ca/C
Distressed
En dificultades
Near or in default
D
—
Default
En incumplimiento
Default has occurred
Key Financial Ratios — EN / ES
Ratio (EN)
Ratio (ES)
Formula
Interpretation
Current ratio
Ratio de liquidez corriente
Current assets ÷ Current liabilities
>1 = solvent short-term
Quick ratio / Acid test
Prueba ácida
(Current assets − Inventory) ÷ Current liabilities
Stricter liquidity test
Debt-to-equity (D/E)
Ratio de endeudamiento
Total debt ÷ Shareholders' equity
Higher = more leveraged
ROE
Rentabilidad financiera
Net income ÷ Shareholders' equity
Return for shareholders
ROA
Rentabilidad económica
Net income ÷ Total assets
Asset efficiency
EBITDA margin
Margen EBITDA
EBITDA ÷ Revenue × 100
Operational profitability %
Gross margin
Margen bruto
(Revenue − COGS) ÷ Revenue × 100
Production efficiency %
Interest coverage
Cobertura de intereses
EBIT ÷ Interest expense
>1.5 generally safe
P/E ratio
PER
Share price ÷ EPS
Market valuation multiple
Incoterms 2020 — Quick Reference
Term
Spanish
Risk transfers at…
Who pays freight
EXW — Ex Works
En fábrica
Seller's premises
Buyer
FCA — Free Carrier
Franco transportista
Named place
Buyer
FOB — Free On Board
Franco a bordo
Port of origin (on board)
Buyer
CFR — Cost and Freight
Coste y flete
Port of origin (on board)
Seller (freight only)
CIF — Cost, Insurance, Freight
Costo, seguro y flete
Port of origin (on board)
Seller (freight + insurance)
DAP — Delivered at Place
Entregada en lugar
Named destination
Seller
DDP — Delivered Duty Paid
Entregada con derechos pagados
Named destination
Seller (incl. duties)
Number Scale — English vs Spanish (CRITICAL)
English
Figure
Spanish
Interpreter note
Thousand
1,000
Mil
No conflict
Million
1,000,000
Millón
No conflict
Billion ⚠️
1,000,000,000 (10⁹)
Mil millones
NOT billón — ×1,000 error risk
Trillion ⚠️
1,000,000,000,000 (10¹²)
Billón
English trillion = Spanish billón
Quadrillion
10¹⁵
Mil billones
Rare in finance
Basel III — Key Capital Requirements
Requirement
Spanish
Minimum ratio
Notes
Tier 1 capital ratio
Ratio de capital de nivel 1
6%
Core capital / RWA
Common equity Tier 1 (CET1)
Capital ordinario de nivel 1
4.5%
Highest quality capital
Total capital ratio
Ratio de capital total
8%
Tier 1 + Tier 2
Leverage ratio
Ratio de apalancamiento
3%
Tier 1 / Total exposure
Liquidity coverage ratio (LCR)
Ratio de cobertura de liquidez
100%
30-day stress test
Net stable funding ratio (NSFR)
Ratio de financiación estable neta
100%
1-year funding stability
International Organizations — Always Use Spanish Acronym
English
Acronym EN
Spanish
Acronym ES
International Monetary Fund
IMF
Fondo Monetario Internacional
FMI
World Trade Organization
WTO
Organización Mundial del Comercio
OMC
OECD
OECD
Org. para la Cooperación y el Desarrollo Económicos
OCDE
Inter-American Development Bank
IDB
Banco Interamericano de Desarrollo
BID
International Finance Corp.
IFC
Corporación Financiera Internacional
CFI
Financial Stability Board
FSB
Consejo de Estabilidad Financiera
CEF
International Financial Reporting Standards
IFRS
Normas Internacionales de Información Financiera
NIIF
📱 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.
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.
Tap the microphone to begin
Live Transcript
Transcript will appear here as you speak…
0 terms detected0 unique entries0:00 session time
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.