You can get an extra 5k ProN from the copied bank clerk at the start of chapter 2, so actually you have 85k ProN to work with for those investmentes:If you don't ask megail for the extra 25k, then you only have 95k to play with after whoring qum. 25k for the mine, 25k for the bank, 25k for megail's "gift" supplier, 10 for stineford and 10 for either the bridge or the cache excavation uses up everything. Asking megail for the money gives 120k total and lets you pick up premium steel & public works, or else the bridge/cache both instead of just one, as well as anti-corruption and public works.
Without whoring qum, you lose 15k here and only have 80k or else 105k. With 80k, you can't take Stineford magic shop, megail's gift supplier, the mine and the bank. You have to lose one of those, or else ask megail for the extra funds. So that is what I meant about "losing" the magic shop if you don't whore her, although maybe you ask megail for the money here in which case you still have 105k, meaning in my route I would take the magic shop, the mine, the bank, the gift supplier, and with the remaining 20k I would take premium steel, and that means losing out on cache excavation and the bridge, or public works & anti-corruption (or mercenaries, or whatever else you might want for that 15k).
Bank 25k + Mine 25k + Megail's supplier 25k + stineford magic shop 10k = Total 85k.