Why does Nolan Cross fight Tessa instead of her scheduled opponent?

He replaces the opponent to fulfill his childhood sweetheart's birthday request.

What happens to the money Tessa earned for her grandmother's treatment?

Nolan's childhood sweetheart steals the medical savings after the fight.

My Champion Boyfriend Beat Me for Her

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My Champion Boyfriend Beat Me for Her — A hidden romance shatters when a champion fighter deliberately destroys his secret partner in the ring.

Tessa stands one victory away from buying her grandmother's treatment and leaving the underground circuit forever. On that decisive night, her concealed lover Nolan Cross -- a reigning world titleholder -- steps in as her replacement opponent. Acting on a birthday demand from his childhood sweetheart, Nolan fractures Tessa's ribs and abandons her on the mat. The same woman later seizes the medical savings, while Nolan compounds the cruelty by mocking Tessa's suffering and kicking her broken bones. Tessa survives the ordeal, yet the man now desperate to reclaim her confronts a devastating consequence: she no longer remembers who he is.

Quick answers

Why does Nolan Cross fight Tessa instead of her scheduled opponent?: He replaces the opponent to fulfill his childhood sweetheart's birthday request.
What happens to the money Tessa earned for her grandmother's treatment?: Nolan's childhood sweetheart steals the medical savings after the fight.