יש לי עם מי לדבר על ההחזר, אבל אין לי מזומן לשלם עכשיו.

Hebrew usually expresses possession with יש/אין + ל-.

• יש לי literally means there is to me
• אין לי literally means there isn’t to me

So:

• יש לי... = I have...
• אין לי... = I don’t have...

This is the normal way to say possession in Hebrew. Hebrew does not usually use a direct verb equivalent to English to have in everyday speech.

עם מי literally means with whom or with who.

In this sentence, יש לי עם מי לדבר means:

• I have someone to talk to
• more literally, I have with whom to speak

This is a very common Hebrew structure. Even though מי usually means who?, here it is not a question. It is part of a pattern that means someone to...

Because Hebrew often uses the pattern:

• יש/אין + preposition/question word + infinitive

For example:

• יש לי עם מי לדבר = I have someone to talk to
• אין לי מה לאכול = I have nothing to eat
• יש לך איפה לישון = you have somewhere to sleep

So מי here does not mean the speaker is asking who? It works more like someone inside this grammatical pattern.

You could also say:

• יש לי מישהו לדבר איתו

That is also natural, and may feel more familiar to an English speaker. But the original version is very idiomatic Hebrew.

Because after a structure like עם מי, Hebrew normally uses an infinitive to describe the action.

So:

• עם מי לדבר = someone with whom to speak / someone to talk to

This is similar to English expressions like:

• something to eat
• someone to call
• somewhere to go

In Hebrew, the infinitive is the standard form in this kind of construction.

Because they express two different things:

• לדבר עם מישהו = to talk with someone
• לדבר על משהו = to talk about something

So in this sentence:

• עם מי לדבר = who the speaker can talk with
• על ההחזר = what the conversation is about

Together:

• יש לי עם מי לדבר על ההחזר = I have someone to talk to about the refund/repayment

החזר can mean several related things depending on context, such as:

• refund
• reimbursement
• repayment

So על ההחזר could mean:

• about the refund
• about the repayment
• about the reimbursement

The exact English word depends on the situation.

Because it has ה-, ההחזר means the refund / the repayment — a specific one already known in the conversation.

Because ההחזר is definite, while מזומן is being used in a general sense.

• ההחזר = the refund / repayment
• מזומן = cash, in general

So:

• אין לי מזומן = I don’t have cash
• אין לי את המזומן = I don’t have the cash / that specific cash

In the sentence, the speaker means cash in general, not a particular set of bills or amount already identified.

Here, מזומן means cash.

But yes, מזומן can mean other things in other contexts. It can also function as an adjective with meanings like:

• ready
• available
• sometimes invited in certain uses

In this sentence, though, the meaning is clearly cash, because it is followed by לשלם עכשיו — cash to pay now.

It explains the purpose of the cash.

• מזומן לשלם עכשיו = cash to pay now
• more naturally in English: cash so I can pay now

Hebrew often uses noun + infinitive this way:

• אין לי זמן לחכות = I don’t have time to wait
• יש לי כסף לקנות את זה = I have money to buy this
• אין לי כוח לעבוד = I don’t have energy to work

So אין לי מזומן לשלם עכשיו means the speaker does not have cash available for making the payment now.

Because it is understood from context.

The sentence already mentions ההחזר, so when the speaker says:

• אין לי מזומן לשלם עכשיו

the listener naturally understands:

• I don’t have cash to pay it now

Hebrew often leaves out objects when they are obvious from the situation.

Yes. אבל is the normal Hebrew word for but.

It connects the two parts of the sentence:

• יש לי עם מי לדבר על ההחזר = I have someone to talk to about the refund
• אבל אין לי מזומן לשלם עכשיו = but I don’t have cash to pay now

So it works exactly the way but does in English.

Yes. Hebrew word order is somewhat flexible, and עכשיו can move depending on emphasis.

The original:

• אבל אין לי מזומן לשלם עכשיו

is natural and neutral.

Other possible arrangements include:

• אבל עכשיו אין לי מזומן לשלם
• אבל אין לי עכשיו מזומן לשלם

These can sound slightly different in emphasis, but the basic meaning stays the same. The original sentence is perfectly normal.

Yes, it sounds natural.

The first half, יש לי עם מי לדבר, is a very common and idiomatic Hebrew pattern.

A slightly more explicit alternative would be:

• יש לי מישהו לדבר איתו על ההחזר, אבל אין לי מזומן לשלם עכשיו.

That version may feel more straightforward to an English speaker because it uses מישהו = someone. But the original sentence is fully natural and good Hebrew.