I need help with this. I'm pretty sure that "Borrow money from the bank using a note payable in nine months" is the correct answer, but could someone help? Just want to make sure, thanks.

Which of the following actions could cause a company's change in net working capital to be negative for a given year? Multiple Choice X Use long-term debt to buy a building Purchase additional inventory with cash Pay off long-term debt before the due date Borrow money from the bank using a note payable in nine months O O Increase the dividends paid to stockholders