Opening Receivables: Thirteen-Week Collection Scenarios

Method and interpretation

All amounts are USD. The snapshot is day zero. Each modeled week has seven calendar days: week one is snapshot through day six; week thirteen ends on day ninety. These are not calendar-month buckets.

Opening reconciliation

Net balance = opening balance − credits not already included. Remaining amount available to schedule = net − disputed amount − retainage. The two held categories must not overlap. With no receipt date, the remaining amount stays unscheduled. An entered date schedules that remaining amount once. Do not repeat a full invoice when splitting installments.

Listed opening balances are compared with your ledger control. A difference is a coverage/reconciliation warning, not a change automatically allocated to invoices. Due-date aging uses the net balance: current or due today; 1–30, 31–60, 61–90 and over 90 days past due. It does not classify accounting losses.

Receipt scenarios

Base receipts fall on each entered expected date. The delay case adds that row’s nonnegative whole delay days. A week’s cumulative receipts sum all scheduled amounts through its final day. Outstanding net balance = opening net − cumulative receipts; held, undated and later-dated amounts remain visible. Zero delay produces identical cases. Receipts beyond week thirteen are reported separately, rather than dropped.

Worked example

Snapshot October 1, 2026: $120,000 opening balances, $10,000 new credits, $20,000 disputed and no retainage give $110,000 net and $90,000 scheduled. Base receipts are $60,000 through week four and $90,000 through week eight. A 28-day delay on a $30,000 receipt lowers week-four receipts to $30,000; both cases reach $90,000 by week eight. $20,000 remains outstanding and disputed.

Validation and limits

Use unique references and valid dates from 1900 through 2200. Invoice dates cannot follow the snapshot; due dates cannot precede invoice dates; expected receipts cannot precede the snapshot. Credits cannot exceed opening balances; disputed plus retained cannot exceed net. Delay is zero to 3,650 whole days. Blank expected dates are allowed; other missing numerical fields are errors. Import is local and requires the exact example header, at most 500 rows and a file under 2 MB.

The tool excludes new invoices and all cash outflows. No default collection percentage, reserve, write-off, legal entitlement or transaction value is inferred. User dates remain assumptions until independently supported. General context: SBA financial management. Use the existing monthly cash model only after reconciling these receipt dates to calendar months and avoiding duplicate collections.

Primary references

This numerical framework is explained in the companion guide. Contract, accounting and transfer conclusions require the actual evidence and appropriate review.