Health Optimizing Malibu · September 12, 2026 evidence

September Business Overview

Historical snapshot, superseded September 16. The cash balance, Stripe pending amount, payment timing and Colin collection scenario below are no longer current. Use the live dashboard and current cash-flow page for decisions.

This review looks at whether current cash covers the rest of September. The plan leaves about $850 at month-end with no new collections. Keeping a $5,000 reserve needs about $4,150, or $29,150 if the separate Bermann reimbursement is paid this month.

Planning view for discussion. Based on the September 12 review, not a fresh account check. Unverified bills and pending transfers could increase the need. The $3,000 still settling at Stripe is excluded from bank cash.

Cash Waterfall

Cash waterfall: $55,375 bank cash less $54,524 planned costs leaves $851 on September 30. No new collections.$0k$20k$40k$60k$55.4kBankcash−$19.5kPayroll−$10.5kHousing−$12.0kWillow−$12.5kOthercosts$851Sept30

$55,375 in bank cash covers $54,524 of planned costs. Payroll includes planned transfer fees. Other costs include contractors, cleaning, insurance, software and office expenses.

September cash bridge, event ledger, September 12, 2026.

Cash Through September 30

Projected cash: base case ends at $851; with an additional $25,000 reimbursement paid September 14 it ends at negative $24,149.$60k$30k$0k-$30k$5k reserve$851−$24.1kSep 12Sep 18Sep 24Sep 30
Base planPlus $25,000 reimbursement

The $5,000 reserve is breached on September 29 in the base plan, or September 18 if the reimbursement leaves September 14. Both assume no new collections.

September cash bridge, daily planning dates, September 12, 2026.

Payables and Open Questions

Payable amounts: $12,000 Willow and $1,259 cleaning are in the plan; $25,000 reimbursement, $10,000 IRCM, $10,000 MEDIcept and $9,750 construction require confirmation.Willow counsel$12,000Two cleaning invoices$1,259Bermann reimbursement$25,000IRCM September fee$10,000MEDIcept older invoice$10,000MG All Construction$9,750
Included in cash planNot included; confirm first

The $25,000 reimbursement is the largest immediate question. Confirm its purpose and any earlier payment. The older invoices need liability and payment checks; they are not a combined amount due.

Other amounts outside the plan

Up to $15,367 of earlier scheduled or processing transfers may need an adjustment if not already reflected in available cash. Also unresolved: the $10,000 September IRCM fee shown above, $5,000 marketing, $1,571 subscription reimbursement, card debt, new staff pay, plant and pest invoices, and whether Veronica's $2,600 reserve should be replaced by $7,000. Deferred IRCM arrears of $20,000 remain outside the plan. Amounts can overlap and must not be added without reconciliation.

Task ledger and bills-watcher records, September 12, 2026.

Receivables Review

Of $78,600 open in Practice Better, only $25,000 is a potential collection pool. $22,000 is already received, $28,600 held, $3,000 unpublished.Potential collections$25kAlready received$22kHeld invoices$28.6kUnpublished invoice$3k

$78,600 shown open in Practice Better is not $78,600 of new cash. Only $25,000 remains a potential collection pool after removing received, held and unpublished amounts. Timing and any unrecorded receipts still need checking.

Collecting the largest $15,000 balance would lift the base month-end cash to about $15,850. No collection is assumed in either cash chart.

Practice Better snapshot and payment review, September 12, 2026.

Recent Payment Status

PaymentAmountLatest evidence
Office rent balance$5,000Wire sent Sept 10
Veronica package$7,557Three transfers processing
Yvette first full week$1,200Paid through proxy
Olivia extra Friday$600Transfer scheduled
Sarah hotel$567Payment confirmed
Perfect Touch$800Check status unverified

The original $30,000 rent was covered by a $25,000 rent credit and the $5,000 wire. Do not reserve another $30,000. Sent and processing payments still need final settlement checks.

Bank-event summaries and task ledger, September 9–12, 2026.

Next Steps

  1. Set the reimbursement amount and timing.
    Confirm whether the $25,000 for Bermann is additional to prior payments before choosing the funding amount.
  2. Confirm cash and existing payments.
    Check the current available balance and pending debits. Keep already-paid rent and staff payments out of a new payment run.
  3. Turn receivables into a dated cash plan.
    Confirm payment timing on the $25,000 candidate pool and reconcile the $22,000 already received but still open in Practice Better.

The immediate choice is whether to plan for roughly $4,150 or $29,150 of additional cash, before the other unresolved costs.