Businesses layer multiple working capital financing sources
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AI-assisted source synthesis · not an independent investigation.
On October 28, 2026, PYMNTS reported that businesses are beginning to layer multiple working capital sources amid tightening bank credit. A European Central Bank survey showed that euro area businesses’ demand for both supplier credit and credit lines increased: a net 12% of businesses needed more trade credit, while a net 11% needed more credit lines; meanwhile, the net balance for the availability of credit lines was -4%. A PYMNTS Intelligence survey showed that 83% of North American middle-market businesses use external working capital, with 61% using at least two solutions. North American businesses borrowed more for cash-flow management and emergencies, while the proportion of customer receivables collected early fell from 35% to 12%.
AI-written from reports · updated 2 hours ago
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- PYMNTSAs bank credit tightens, businesses layer multiple working-capital sources
As bank credit tightens, businesses are layering multiple working-capital sources. European businesses’ demand for supplier credit and credit lines has both increased, while North American businesses are borrowing more for cash-flow management and emergencies. A European Central Bank survey shows that a net 12% of euro area businesses need more trade credit and a net 11% need more credit lines, while the net balance for credit-line availability is -4%. A PYMNTS Intelligence survey shows that 83% of North American mid-market businesses use external working capital, with 61% using at least two solutions; the proportion of customer receivables collected early fell from 35% to 12%.
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