The Welsh Government can borrow from the National Loans Fund (via the Secretary of State for Wales) or through a commercial loan (directly from a bank or other lender).
Gall Llywodraeth Cymru fenthyca oddi wrth y Gronfa Benthyciadau Cenedlaethol (drwy Ysgrifennydd Gwladol Cymru) neu drwy fenthyciad masnachol (yn uniongyrchol oddi wrth fanc neu fenthyciwr arall).