During May of 2019, XYZ Inc had an opening cash balance of $500,000, budgeted cash receipts of $400,000 and budgeted cash disbursements of $450,000. The company wishes to maintain a cash balance of $500,000 at the start of each month. Any surplus cash is promptly repaid to the bank while funds are borrowed at the start of each month to cover any anticipated shortfall. What will XYZ need to do at the end of the month?