86% of North American Growth Corporates Plan Working Capital Expansion in 2026

2025–2026 Growth Corporates Working Capital Index: North America Edition

Working capital is no longer a background function for North American growth corporates. In 2026, CFOs and Treasurers are reshaping how liquidity is deployed, turning faster payments, sharper cash-flow visibility and new tools into a strategic advantage. The shift is accelerating, and the cost of standing still is rising.

Read more in the “2025–2026 Growth Corporates Working Capital Index: North America Edition,” a collaboration between PYMNTS Intelligence and Visa.

For more on Growth Corporate’s working capital use, view Visa’s WCI Dynamic Report.

Inside the January Index

Working capital shifts from defense to growth.
Most Growth Corporates now use working capital solutions to fund planned investments, pay suppliers faster and stabilize cash flow, rather than simply manage short-term gaps.
Technology drives better financial outcomes.
Firms adopting AI, commercial cards and enhanced cash-flow visibility report higher bottom-line gains and more predictable financing needs than peers that rely on manual processes.
The U.S. and Canada use different working capital strategies.
U.S. firms lead in adoption, while Canadian firms achieve higher returns when deploying working capital solutions, revealing different paths to resilience and performance.

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