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HOW TO FIND WORKING CAPITAL Working capital management helps the financial experts determine the financial health of a business in the short term. The ratios that are calculated keep the experts aware of how efficient the entire system is and if it is stable enough to support short -term obligations. A business can have several short-term obligations. It needs cash for routine payments, materials, production goods and any other unexpected costs. A working capital for a business can be understood easily because it is quite close to how we personally manage money.