{
  "publisher": "Kredytowy-kalkulator.com",
  "source": "https://kredytowy-kalkulator.com/poradniki/kredyt-hipoteczny-b2b-dzialalnosc-gospodarcza#metoda-modelu",
  "modelVersion": "b2b-plynnosc-v1",
  "modelDate": "2026-10-03",
  "arithmeticVerified": "2026-10-25",
  "scope": "Własne scenariusze matematyczne, nie dane klientów, badanie rynku, oferty ani prognozy.",
  "units": "Wszystkie kwoty z końcówką Cents są całkowitymi groszami PLN.",
  "assumptions": "Koszty życia 3 500 zł, nowa rata 3 200 zł, inne raty 0 zł; rezerwa na start 20 000 zł. Wpływy podano po kosztach firmy, podatkach i składkach. Trzy scenariusze miesięczne, bez wskazania roku kalendarzowego.",
  "method": "Saldo miesiąca = saldo poprzedniego miesiąca + otrzymane środki − 6 700 zł. Minimalna rezerwa początkowa pokrywa najniższy skumulowany przepływ. Dodatkowa rezerwa to brak względem wpisanych 20 000 zł.",
  "limitations": "Model miesięczny nie bada terminów przelewów wewnątrz miesiąca, podatków ani zdolności bankowej. Wpływ przesunięty poza dwunasty miesiąc nie jest przychodem gotówkowym badanego roku.",
  "scenarios": [
    {
      "id": "bez-opoznienia",
      "delayMonth": 0,
      "delayLength": 0,
      "initialReserveCents": 2000000,
      "requiredReserveCents": 1710000,
      "minimumBalanceCents": 290000,
      "additionalReserveCents": 0,
      "finalBalanceCents": 2360000,
      "annualCashflowCents": 360000,
      "plannedIncomeCents": 8400000,
      "receivedIncomeCents": 8400000,
      "pendingOutsideYearCents": 0,
      "rows": [
        {
          "month": 1,
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          "receivedIncomeCents": 100000,
          "expensesCents": 670000,
          "cashflowCents": -570000,
          "cumulativeCents": -570000,
          "balanceCents": 1430000
        },
        {
          "month": 2,
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          "receivedIncomeCents": 100000,
          "expensesCents": 670000,
          "cashflowCents": -570000,
          "cumulativeCents": -1140000,
          "balanceCents": 860000
        },
        {
          "month": 3,
          "plannedIncomeCents": 100000,
          "receivedIncomeCents": 100000,
          "expensesCents": 670000,
          "cashflowCents": -570000,
          "cumulativeCents": -1710000,
          "balanceCents": 290000
        },
        {
          "month": 4,
          "plannedIncomeCents": 900000,
          "receivedIncomeCents": 900000,
          "expensesCents": 670000,
          "cashflowCents": 230000,
          "cumulativeCents": -1480000,
          "balanceCents": 520000
        },
        {
          "month": 5,
          "plannedIncomeCents": 900000,
          "receivedIncomeCents": 900000,
          "expensesCents": 670000,
          "cashflowCents": 230000,
          "cumulativeCents": -1250000,
          "balanceCents": 750000
        },
        {
          "month": 6,
          "plannedIncomeCents": 900000,
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          "cumulativeCents": -1020000,
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        },
        {
          "month": 7,
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          "cumulativeCents": -790000,
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        },
        {
          "month": 8,
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          "cumulativeCents": -560000,
          "balanceCents": 1440000
        },
        {
          "month": 9,
          "plannedIncomeCents": 900000,
          "receivedIncomeCents": 900000,
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          "cashflowCents": 230000,
          "cumulativeCents": -330000,
          "balanceCents": 1670000
        },
        {
          "month": 10,
          "plannedIncomeCents": 900000,
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          "cumulativeCents": -100000,
          "balanceCents": 1900000
        },
        {
          "month": 11,
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          "cumulativeCents": 130000,
          "balanceCents": 2130000
        },
        {
          "month": 12,
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          "cumulativeCents": 360000,
          "balanceCents": 2360000
        }
      ]
    },
    {
      "id": "kwiecien-na-maj",
      "delayMonth": 4,
      "delayLength": 1,
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      "requiredReserveCents": 2380000,
      "minimumBalanceCents": -380000,
      "additionalReserveCents": 380000,
      "finalBalanceCents": 2360000,
      "annualCashflowCents": 360000,
      "plannedIncomeCents": 8400000,
      "receivedIncomeCents": 8400000,
      "pendingOutsideYearCents": 0,
      "rows": [
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        },
        {
          "month": 2,
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        },
        {
          "month": 3,
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        },
        {
          "month": 4,
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          "cumulativeCents": -2380000,
          "balanceCents": -380000
        },
        {
          "month": 5,
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        },
        {
          "month": 6,
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        },
        {
          "month": 7,
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        },
        {
          "month": 8,
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        },
        {
          "month": 9,
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        },
        {
          "month": 10,
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        },
        {
          "month": 11,
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          "balanceCents": 2130000
        },
        {
          "month": 12,
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          "cumulativeCents": 360000,
          "balanceCents": 2360000
        }
      ]
    },
    {
      "id": "grudzien-poza-rok",
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      "requiredReserveCents": 1710000,
      "minimumBalanceCents": 290000,
      "additionalReserveCents": 0,
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      "annualCashflowCents": -540000,
      "plannedIncomeCents": 8400000,
      "receivedIncomeCents": 7500000,
      "pendingOutsideYearCents": 900000,
      "rows": [
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        {
          "month": 2,
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        {
          "month": 4,
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          "month": 6,
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        {
          "month": 7,
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          "month": 8,
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          "month": 11,
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          "month": 12,
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    }
  ]
}