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A swiftly growing business requires additional levels of inventory and receivables to support the growth. This means the working capital requirement increases. When this increase becomes permanent, it should be financed with additional long term capital. When it is financed from a bank overdraft and a shorter operating cycle, the business entity could easily run into severe liquidity problems. Financial consulting is a service provided by Certified Financial Consultants® to large corporations, government agencies, SMEs/ Micro businesses and individual clients. The role of a financial consultant is to provide an independent, expert opinion on a proposed business plan or decision.