Partial collection changes the remaining account

In a separate constructed case, opening cash is 20, a receipt of 100 is expected on day 8, payroll of 70 is due on day 12 and a committed supplier payment of 20 is due on day 14. Cash must remain at least 10. No other flows occur through day 20. The original projection reaches 120, then 50 and 30, so both payments are funded.

At the end of day 8, actual collection is 60. The remaining claim of 40 is now expected on day 18; the customer obligation itself has not been amended. The updated account starts from actual cash 80. It reaches 10 after payroll and −10 after the supplier payment. It needs an additional 20 before day 14 to preserve the reserve. Keeping the original forecast receipt of 100 as a further future inflow would count cash already collected again.

An obtainable bridge can supply net 20 before the supplier payment and require 21 on day 20 after collection. With that arrangement, cash is 30 before the supplier payment, 10 afterward, 50 after collection and 29 after repayment. The original operating receipt and payments still give a closing cash amount of 30 before the new financing cost; the bridge reduces it by 1. If an offer of “20” instead deducts an upfront fee of 1 and supplies only 19, it fails the first-date reserve by 1. The actual net advance must govern the update.

Move the expected remaining collection again, to day 25. The same bridge no longer has a funded day-20 repayment: cash would be 10 before repayment and −11 afterward, a gap of 21 including the reserve. FIN.10 must compare an obtainable later maturity or another funded path. The model refresh is a completed identification of that changed need, not evidence that replacement finance exists.