Financial companies often need working capital that's independent of investment in new products. For example, if Stripe wants to have an offering that pays Part

Financial companies often need working capital that's independent of investment in new products. For example, if Stripe wants to have an offering that pays Party A today, but collects that money from Party B tomorrow, they need working capital for that, but that capital is at much lower risk and gets financed with very different terms (often debt rather than equity).