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BIOSCAN • ILBOZAMED
Debt Dashboard — Genetic Profiling Services
Report date:
Confidential
BIOSCAN-OneCell Debt Dashboard
Payment tracking for genetic profiling services provider
Total Invoiced
88,555
USD
Paid
57,180
USD
Outstanding Debt
31,375
USD
Payment Status
Important
Current outstanding debt: $31,375
Payment required by end of year per agreement with provider.
Average monthly invoice: $8,213
Monthly Breakdown (Interactive)
Tip: edit amounts to update metrics above
| Month | Invoice Amount | Payment Status | Notes |
|---|---|---|---|
| January | Paid | — | |
| February | Paid | — | |
| March | Paid | — | |
| April | Paid | — | |
| May | Paid | — | |
| June | Paid | — | |
| July | Paid | — | |
| August | Paid | — | |
| September | Unpaid | Outstanding | |
| October | Unpaid | Outstanding | |
| November | Unpaid | Outstanding |
Summary
Period: January - November 2025
Paid Months: 8 (January–August)
Unpaid Months: 3 (September–November)
Payment Percentage: 64.6%
2026 Debt Repayment Options
Three repayment scenarios for outstanding debt of $31,375
Recommended
Option 1: Quarterly Payments
Payment Schedule
4 equal quarterly installments
Amount per Payment
$7,844
Q1 2026 (March)
$7,844
Q2 2026 (June)
$7,844
Q3 2026 (September)
$7,844
Q4 2026 (December)
$7,843
What it means: fixed quarterly payments that clear the debt in 12 months without overloading monthly cash flow.
Why it works: predictable finance planning, minimal operational risk, easy to explain to partner, “relationship-safe” cadence.
Trade-off: slower than aggressive repayment, but stable.
Why it works: predictable finance planning, minimal operational risk, easy to explain to partner, “relationship-safe” cadence.
Trade-off: slower than aggressive repayment, but stable.
Option 2: Revenue-Based (+20%)
Payment Method
Dynamic monthly
Payment Formula
120% of monthly invoice
Start Date
January 2026
Duration
Until debt is cleared
Example (if $10k invoice)
$12,000 payment
What it means: every month you pay the invoice + an extra 20% that goes directly into closing the old debt.
Why it works: debt clears faster in strong months, and automatically eases if volumes drop.
Trade-off: needs discipline and transparency in monthly invoices; partner must accept variable speed.
Why it works: debt clears faster in strong months, and automatically eases if volumes drop.
Trade-off: needs discipline and transparency in monthly invoices; partner must accept variable speed.
Option 3: Aggressive Payment (High Risk)
Monthly Payment
$10,000+ per month
Duration
3–4 months
Financial Impact
Cash-flow strain
What it means: close the debt ASAP by pushing large monthly transfers until fully cleared.
Why it’s dangerous: can starve operations (marketing, payroll, procurement), increases risk of missed payments (which makes partner trust worse).
When acceptable: only if you have guaranteed surplus cash flow.
Why it’s dangerous: can starve operations (marketing, payroll, procurement), increases risk of missed payments (which makes partner trust worse).
When acceptable: only if you have guaranteed surplus cash flow.
Financial Stability Notice
Important: aggressive terms can destabilize operations. Prefer Option 1 or Option 2.
Recommended Strategy
Option 1 is the cleanest: predictable quarterly payments and minimal operational risk.
If you want faster closure without ломать кэшфлоу — use Option 2 with прозрачной отчётностью по инвойсам.
BIOSCAN / ILBOZAMED — Financial Tracking Dashboard
