"Wellness retreat installments: compare cleared payments with supplier commitments"
"Source","https://bluefinchadvisors.com/blog/wellness-retreat-installments-supplier-cash-exposure"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Guests in this collection cohort","18","number"
"Cleared installments per guest","700","currency"
"Retained collection costs","420","currency"
"Approved refunds due before deadline","1400","currency"
"Supplier cash committed by deadline","9800","currency"
"Other retreat cash due by deadline","1300","currency"
"Scheduled installments not yet cleared","9000","currency"

"Results","Value","Unit"
"Cleared cash after fees and refunds","10780","currency"
"Cash commitments by deadline","11100","currency"
"Cash cushion / shortfall","-320","currency"
"Scheduled but uncollected installments","9000","currency"

"Calculation detail","Value","Unit"
"Gross cleared guest payments","12600","currency"
"Fees and approved refunds","1820","currency"
"Supplier payment requirement","9800","currency"

"Assumptions"
"Fictional single-deadline model with equal cleared amounts per guest."
"Enter gross successful guest payments only when their net proceeds are available by the cutoff. The calculator subtracts entered costs and refunds separately. Exclude platform-held funds."

"Result notes"
"A positive cushion is not retreat profit and does not eliminate later refund exposure."
"This model does not assume supplier refunds will arrive or authorize postponing guest refunds."

"Sources"
"Stripe: balance reporting and available versus pending funds","https://docs.stripe.com/reports/balance"
"Eventbrite: payment processing, fees, and payout timing","https://www.eventbrite.com/help/en-us/articles/426093/getting-started-with-eventbrite-payment-processing/"
"Stripe: subscription migration stages","https://docs.stripe.com/billing/subscriptions/migrate-subscriptions"
"Stripe: refund funding, destinations, and refund status","https://docs.stripe.com/refunds"
"Eventbrite: setting and managing refund policies","https://www.eventbrite.com/help/en-us/articles/130304/how-to-set-a-refund-policy/"
"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"