Although they can possibly minimise their investment in fixed assets by renting or leasing plant and equipment, they cannot avoid investment in cash, debtors and stock. Moreover, because a small firm usually has very limited access to outside long-term finance, it must necessarily rely heavily on trade credit and short-term bank loans and overdrafts, all of which affect working capital by increasing current liabilities.
Ingawa wanaweza uwezekano wa kupunguza uwekezaji wao katika rasilimali za kudumu na kukodisha au kukodisha mitambo na vifaa, hawawezi kuepuka uwekezaji taslimu, wadaiwa na hisa. Aidha, kwa sababu kampuni ndogo kwa kawaida ina upatikanaji mdogo sana nje ya fedha ya muda mrefu, ni lazima lazima kutegemea zaidi juu ya mikopo ya biashara na ya muda mfupi mikopo ya benki na overdrafts, ambayo yote kuathiri mtaji kwa kuongeza madeni ya sasa.