If you think your working capital solution is working just fine, let me ask you this: Have you ever had to delay payments to keep the lights on? If so, we need to talk. 
            
        
            - Signs Your Working Capital Strategy Is a Problem, Not a Solution 
         
        
        
            - Your cash flow is unpredictable. If every month feels like a new episode of "Survival Finance," your solution isn’t working. 
 
            - Suppliers hate you. Constant late payments mean you’re the villain in their story. Not good for long-term business. 
 
            - You’re stuck in a credit cycle. If you’re relying on short-term loans instead of optimizing working capital, you’re just putting band-aids on a broken system. 
 
        
        
            - The Fix? Smarter, Not Harder. 
         
        
        
            - SCF to the rescue – Align supplier payments with your cash cycle instead of running on a hope and a prayer.  
 
            - Dynamic discounting – Get rewarded for early payments instead of hoarding cash like a dragon. 
 
            - Tech > spreadsheets – If your financial planning still lives in Excel, it’s time to upgrade. 
 
        
        In short: If your working capital "solution" feels more like a problem, it’s time to rethink your approach.