"Med spa refund funding: separate approved refunds from available cash"
"Source","https://bluefinchadvisors.com/blog/med-spa-refund-funding-cash-buffer"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Approved refunds in this window","8200","currency"
"Processor funds available for refunds","3100","currency"
"Bank cash assigned to refund funding","4000","currency"
"Additional chosen cash buffer","1500","currency"
"Pending processor balance","5000","currency"

"Results","Value","Unit"
"Present refund funding","7100","currency"
"Funding less approved refunds","-1100","currency"
"Funding less refunds and buffer","-2600","currency"

"Calculation detail","Value","Unit"
"Approved refund queue","8200","currency"
"Chosen additional buffer","1500","currency"
"Pending funds excluded","5000","currency"

"Assumptions"
"Illustrative one-window liquidity check; input dates must match."
"Assigned bank cash is assumed available through a supported funding route in time. Verify the route and timing before relying on it."

"Result notes"
"Do not use this model to postpone legally or contractually required refunds."
"Processor rules, bank funding timing, disputes, and reserves can change available funds."

"Sources"
"Stripe: refund funding, destinations, and refund status","https://docs.stripe.com/refunds"
"HHS: Privacy Rule coverage and protected payment information","https://www.hhs.gov/hipaa/for-professionals/privacy/laws-regulations/index.html"
"Stripe: balance reporting and available versus pending funds","https://docs.stripe.com/reports/balance"
"Stripe: matching transactions to automatic payouts","https://docs.stripe.com/payouts/reconciliation"
"Visa: U.S. merchant surcharging and displayed-price distinctions","https://usa.visa.com/dam/VCOM/global/support-legal/documents/merchant-surcharging-qa-for-web.pdf"