Working capital is a term used to describe the money that a business has available to use for its day-to-day operations. It is calculated by subtracting the company's current liabilities from its current assets. The two crossword solutions, PAY (3 letters) and NETPAY (6 letters), are related to working capital in that they refer to the money that a business pays out to its employees and suppliers. PAY is the amount of money that a business pays out to its employees, while NETPAY is the amount of money that a business pays out to its suppliers after deducting any taxes or other fees.