The Time Value of Money Reflects the Fact That

The time value of money reflects the fact that:

A) spontaneous financing is a particularly important source of financing for small businesses.
B) it is best to have money today, so it can be put to work sooner to make even more money.
C) a covenant requires the borrower to agree not to borrow any additional funds until the specified length of the current loan.
D) long-term investments are more profitable than short-term investments.