# Report: 2022 Working Capital Survey

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### [Early Payment vs. a Business Loan: 8 Key Differences](/content/resources/working-capital/how-is-early-payment-different-from-borrowing/index.html)

According to the Federal Reserve's 2025 Small Business Credit Survey, only 42% of small business applicants received the full amount of financing they requested. Early payment gives suppliers access to cash they are already owed, with no application, no interest, and no debt.

### [What Are the Biggest Myths About C2FO Early Pay?](/content/resources/working-capital/what-are-the-biggest-myths-about-c2fo-early-pay/index.html)

Discover the truth behind the 6 biggest myths about C2FO Early Pay. Learn how sophisticated finance teams use capital efficiency to scale, not just survive.