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Working Capital 101.

Every article in working capital 101: straight, jargon-free working-capital education from a direct lender.

What Is Working Capital? A Plain-English Guide for Small Business Owners

Working capital is the money your business has on hand to cover day-to-day operations. Here's what it is, how to calculate it, why it matters, and when outside working capital makes sense.

Mitchell LedvenJune 16, 2026Read

Working Capital 1014 min read

Merchant Cash Advance, Explained (and Why We Call It Working Capital)

A merchant cash advance isn't a loan. It's a purchase of your future receivables. Here's an accurate, jargon-free explanation of how an MCA works, what it costs, and how to use it responsibly.

Mitchell LedvenJune 4, 2026Read

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Working Capital 101.