Having access to some extra cash from your financial institution at certain points in your personal or professional life may be particularly helpful for individuals and companies, either to cover an extra bill or to continue in business. In the form of an overdraft, this extra cash has been in the regulatory spotlight for the fees that some banks charge for this service. However, many U.S. firms rely on this type of credit to run their businesses. Companies often turn to external working capital solutions when facing new growth plans or operational improvements that allow them to manage the business more efficiently. In the case of the North American region, seven out of 10 companies do so, mainly using bank lines of credit or loans. However, 14% of middle-market firms plan to use overdrafts from corporate bank accounts to improve their cash flow management in the coming year, making it the third most recurrent working capital solution after the two mentioned above.