Cash pressure is not always a profitability problem. It can come from slow receivables, inventory build, supplier terms, seasonal timing, growth, margin pressure, or debt-service timing. The first job is to understand the driver before deciding what to do next.

The Working Capital Diagnostic helps owners and finance leaders frame the problem clearly: what is tightening cash, what evidence is missing, what a lender or broker would likely ask, and which issues need human finance review before action.

This topic is diagnostic preparation only. It does not provide credit advice, tax advice, investment advice, accounting advice, or lender/product recommendations. It helps prepare better questions and cleaner context for a qualified professional review.