Many business experience periodic and long delays in collecting their accounts receivable. For example, healthcare and medical companies are sometimes reliant upon insurance companies and government agencies to reimburse them. Other types of industries sometimes experience slow-pays from larger clients. In essence, the small business owner is basically augmenting their customer’s cash flow. All the while, their employees, vendors, and service providers must be paid to keep the business moving. In such cases, small business working capital loans often help bridge the cyclicality and payment delays so that they can keep deliverying the products and services that keep them afloat.