What are the likely needs for working capital of the following:

(i) A secondhand car dealer who buys for cash, and sells for cash or on hire purchase through a finance company. He employs two staff on premises which he rents, where he usually has 10-15 cars on display.

(ii) A small builder who employs two permanent bricklayers, and hires other specialist labour as required. He normally completes two or three houses a year, each of which take 15 months to build.

(iii) A coach operator who owns three coaches. He employs three drivers, and garages the coaches in a building he owns. He is in the tour and charter business; all tours are paid for in advance, and chartering is done on a monthly contract basis, the accounting being paid a month in arrears.