Four New Ways to Make the Most of Working CapitalThe financial times, they are a'changing. Keep up or get out, old-timer.

The secret to surviving this Great Recession may turn out to be how you manage working capital--the difference between the money you've been paid and the cash you owe.

The good news is that clever startups are coming to market with big new ideas intended not only to change the way small businesses handle money, but in some cases to also cut out big, bad, TARP-grabbing traditional banks altogether.