There are many reasons why, as business owners, we don't always manage business cashflow closely and create appropriate reserves.
Often life just gets in the way, and we don't have the time or headspace to think about whether it is time to put aside reserves and nor calculate how much to put aside this time anyway. In addition, even when we want to save, sometimes the actual process of transferring money is a bit of a faff so we put it off until tomorrow.....but it is always tomorrow.
At Marygold we don't pretend to know what is best for our business customers, we just give you easy-to-use tools that help you to nudge yourself. Our theory is that if you retain control, and you only get nudged to save an appropriate amount at a times that makes sense for the business, and we make it extremely easy to organise and transfer you money, then you will.