Thu 12 Nov is $120 short. Two ways to cover it.

The bean order and rent land the same day. Pick one. Before anything happens, tmrw's safety check (the Margin Guard) looks at it. Loans, moved payments and anything over $100 wait for your OK.

Move a payment
Simulated
Move Bean There's $400 payment to Sat 14 Nov
Sales by Sat 14 Nov cover it. Rent still goes out on Thu 12 Nov. Simulated: no real payment date changes.
Thu 12 Nov becomes covered.
Now
Thu 12
$80
$120 short
After
Thu 12
$480
Covered
Payment
Bean There, $400
From
Thu 12 Nov
To
Sat 14 Nov
Short-term loan
Simulated
Take a $120 short-term loan
Paid in today, $122.40 back on Sat 14 Nov. Simulated: no real loan is made.
Thu 12 Nov becomes tight.
Now
Thu 12
$80
$120 short
After
Thu 12
$200
Tight
Paid in
$120 today
Fee
$2.40
Paid back
$122.40 on Sat 14 Nov

See every safety check

Thu 12 Nov is $120 short. Two ways to cover it.

Move Bean There's $400 payment to Sat 14 Nov

Take a $120 short-term loan