MosoFin skill · ap-aging-and-payment-runs · learning guide

From one late bill to a payment run that fits your cash

This page shows how the skill builds an aging and proposes a payment run, one level at a time. It starts with one bill in one bucket. It ends with the things a run must never do. The page quotes every rule from the skill and works every number in front of you.

The rules are the skill's ownThe page quotes each rule word for word, with the file and section it comes from.

Outside sources back the factsThey are an OpenStax textbook, two FBI IC3 publications, a GOV.UK page, a US Treasury page and the GAO Green Book. Each one has a number and a link.

The page shows the mathOpen "Check it yourself" on any level. Follow every line on a calculator.

Your numbers, your checkAt the end, enter up to 10 bills of your own. The page builds the aging and ranks the run.

Rule: quoted from the skill Fact: from a cited authority, numbered like ¹ Example: made-up figures, calculated in full

How it thinks

Twelve rules the whole skill runs on

Every level below applies one or more of these rules. The examples use one made-up company, Northbrook Trading, which keeps its books in US dollars. Its weekly run has an as-of date of Friday 6 November 2026. The owner keeps $10,000 back and gives $40,000 as the cash available for the run. The owner marks Power Co and PayrollCo as critical and Brightline Software as discretionary. All other vendors are standard.

Learning path

Six levels, from simple to complex

Check it yourself

Put in your own week

Enter up to 10 open bills, or load the example. The page sorts each bill into its bucket and ranks the run in the default order of Step 5 in references/method.md. The page sends nothing anywhere.

The run As-of date Cash available: cash you choose to spend, not your bank balance Next run date

How the page ranks

Critical vendors come first. Past-due bills with a penalty or a collection threat come next. Then come discounts with a deadline before the next run, bills due this week and bills due next week. The page defers discretionary bills and later bills. It leaves held bills out of the run.

Vendor	Open amount	Due date	Tier	Penalty or threat	Discount %	Discount deadline	On hold

The page counts days past due in whole calendar days from the as-of date. "This week" ends on the Sunday after the as-of date, and "next week" is the 7 days after that. The page puts a past-due bill with no penalty and no threat with the bills due this week. The skill's own order does not name that case, so your judgement may differ. The run stops at the first bill that does not fit in the remaining cash. The preset gives $33,090 proposed and $6,910 left. A figure from the calculator is a proposal. A person approves it, and the bank or the accounting system pays it.

Using it

What it asks, needs and gives back

Asks firstDo you want to use MosoFin for this run, or upload the data yourself? What is the as-of date, and do you use your own buckets? Aging only, or a payment run too, and how much cash is available? Which vendors are critical, standard or discretionary? Which vendors are on hold or in dispute, which payments are on their way outside the books, and which vendor asked to change bank details? How do you pay each vendor? If the bills are in more than one currency, what is the exchange rate and its source?

NeedsThe skill needs the open bills, with the vendor, bill number, bill date, due date or terms, open amount and currency. It needs the A/P control balance to agree the aging to it. The payments made, the open vendor credits and the vendor list make the result better. You type in the as-of date and the cash available.

Gives backThe skill gives back six numbered sheets: aging summary, aging detail, proposed payment run, discount opportunities, exceptions and coverage. A Held and disputed sheet, 3b, follows the payment run. It asks before it makes an Excel file.

NeverThe skill never reads your data before you answer its questions and say yes to its summary. It never sends, releases or schedules a payment, changes bank details or puts a vendor on hold. It never assumes the as-of date or the cash. It never runs a real payment run from test data, and never saves bank details.

Sources

Where every fact on this page comes from

The rules are the skill's own. The facts below come from six outside sources. They are an OpenStax textbook, two FBI IC3 publications, a GOV.UK page, a US Treasury page and the GAO Green Book. MosoFin checked each one on 27 October 2026 from search results and did not open the pages. Follow the link for today's wording.

Not backed by an outside authority. The default buckets, the ranking order, the output sheets and the three vendor tiers are the skill's own. MosoFin made up Northbrook Trading, its bills, its tiers and every figure in the examples. The page marks them where they appear.