The difference between receivables and payables that is the net amount of a firm's capital consumed as a result of those credit transactions :

a. Net Income

b. Cash Cycle

c. Trade Credit

d. Net Working Capital

Is a fee charged by a lender to a borrower to compensate the lender for their willingness to lend:

a. Commitment Fees

b. Loan Origination Fees

c. Evergreen fees

d. Adjustment fees

Which are correct and why?