Francis Manufacturing Company is currently preparing its cash budget for next month and has gathered the following information: Expected cash receipts: $39,400. Expected disbursements: _____. Direct materials $12,000. Direct labor $9,000. Manufacturing overhead $11,500. Selling and administrative expenses $22,000. The beginning cash balance will be $6,000 and the company requires a minimum cash balance at the end of the month of $5,000. How much will Francis Manufacturing need to borrow to meet its cash needs for the month?