With inventory averaging 35 days of sales and accounts payable averaging 45 days, the company has negative working capital needs.

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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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But this demand will increase working capital needs and will likely reduce cash on the balance sheet, which reduces the ability to acquire more land.

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Nearly 17 percent of banking professionals surveyed said most businesses are seeking loans to free capital tied up in receivables, while another 40 percent said most loan applicants are looking to borrow for other working capital needs.

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