It does not include the manmade or organized resources such as an orchard or a herd of cattle. Even though most people think of money as capital, it's really the least important form of capital. In economic terms, capital is the human creations that produce wealth, such as a car used as a taxi, an oven used to bake food for sale, a furnace used to make steel, as well as the interest that money can earn. The third factor is labor. This refers to all human endeavors that produce wealth, both physical and mental.
Some people believe that it is the sole source of wealth, that labor alone creates value.
Others believe that land is the only factor that creates wealth. Still others believe that capital is the key to wealth. But land, labor and capital have always been around, though widely unused or misused. This is the ability to see what others who came before missed, to make connections between things that others had not, to get all three other factors to work together to create that which had not existed before. It is this insight, this creativity, that makes the other three factors productive.