‘Nobody learns in someone else’s mind’ says an old Mexican proverb, however, there are great learnings that can return to the experiences of other persons or companies. Attorney General brings even more insight to the discussion. A clear example of this is the subject of the business credits, in the experience of a server in activity by banks and credit managers, has touched me see that invariably credits for Working Capital ended generally in nonperforming loans, and the explanation is simple, you cannot claim that a credit that since its origin was improperly granted be recovered in time and form, one need not be a luminary is simple common sense, while a commercial credit is intended for the acquisition of machinery and equipment (fixed asset), a mortgage loan is intended for the purchase of a property, the credit for Working Capital, despite its bombastic name, most of the time is not anything other than the hollow which is made to plug another holewith few exceptions, and it is the lack of efficiency and effectiveness of the company product not only for its Finance, since these are only the result of what is done in other quadrants of the business: human and process equipment. Because finances are the tip of the iceberg, which is seen or the visible result, and are the product of what is done in other quadrants. ing through. Rather than resort to credits from Working Capital, most are like aspirin trying to cure a cancer, companies require to look at the Total business cycle, and review the quadrants of the human team, processes, while these quadrants working properly then your customers will be satisfied with their products and services, and to be observed in the quadrant of finances will result from what is done in other quadrants. The above implies a process of transformational consulting that will give the company a durable long-term solution, while the solutions or temporary patches will provide only temporary relief.