Many businesses applying for loans are looking to finance receivables and other working capital, according to a new survey of bankers by Sageworks, a financial information company.

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Traditionally, commercial banks used short-term deposits to finance relatively short-term working capital.

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Broken banking systems can't provide working capital or finance viable projects.

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Many deserving firms had indeed been deprived of working capital, say, or trade finance.

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Second, new products can be innovated, such as providing long-term financing to cooperatives, addressing working capital needs, and developing on-lending schemes to finance group members.

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These finance companies earned millions of dollars through unusually high fees, high-interest loans and the float (the working capital they handled for their clients).

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