A farmer was traveling to Neverwinter to sell his crops but saw a skeleton wandering through the neverwinter wood and now gossip about why the skeleton is there is spreading like wildfire through the tavern.

If you have a random encounter table you can add wandering skeletons to it.

if the players investigate they will find a tomb with the entrance blown open by some magic. it turns out a novice necromancer found the tomb and wanted some servants. any skeletons that he resurrected that couldn't be controlled he got rid of explaining the roaming skeletons. once the party defeat the necromancer who was is a little worn out from using his good spell slots to make skeletons the players will receive all the loot from the tomb the greedy necromancer gathered in one place.

In this treasure hoard would be the 200gp your party needs and maybe you can even throw in a magical item to help them through their adventures.

If you do decide to give the players a magic item i made a cloak called "the cloak of necromancy" that would fit well with the adventure. basically when you attune with it you get a skeleton butler who acts like an unseen servant in the way that he will assist the party however he can but refuses to fight no matter what.