#working-capital
Manage working capital for business operations
Embedded cards underwrite from live sales data instead of your FICO score — faster approval, but floating limits and exit terms to read first.
UNFI swung from a $118M loss to $84M profit on $31.2B of sales, a 0.27% margin; $50M of insurance recoveries and a $37M LIFO benefit won't repeat.
TD SYNNEX's Q3 FY2026 revenue rose 37.7% to $21.6B at a 1.93% net margin, while inventory grew $5.8B and free cash flow hit −$976M. Read it in a public ledger.
Jabil's FY2026 revenue rose 21% to $36.0B, yet GAAP net income was $1.04B — a 2.9% margin. Trace the AI-server economics and $13.09 core EPS in a public ledger.
A line of credit charges interest only on what you draw; a term loan charges it on the full sum from day one. Use lines for cash gaps, loans for assets.
Healthy FCF conversion runs near 80% of EBITDA; below 50% means receivables, inventory or CapEx are eating profit. Formula, benchmarks and fixes.
EOQ sets how much to order, safety stock absorbs demand spikes, and the reorder point sets when to buy — worked examples that cut stockouts without idle cash.
Home care agencies pay caregivers weekly but wait 30–90 days on Medicaid claims. Close the gap: DSO under 50, a 13-week forecast, 2–3 months' payroll reserve.
The IRS adds a 20% accumulated earnings tax on C corp cash above $250,000 without documented business needs — plus a 20% PHC tax on passive income.
In Q1 2026, 31% of small business owners named cash flow their top worry, passing inflation. With a 27-day median buffer, track runway in days.
SBA Express lends up to $500,000 with a 36-hour SBA response and a 50% guarantee — faster than standard 7(a), but lenders set a higher credit bar.
Supply chain finance pays suppliers in days at the buyer's credit rate: a 1.2% fee for 85 days early is about 5.2% APR. Negotiate the base term, not the fee.
