Sole trader (day 1)

Pocket casheach sibling · clients pay in hand
Grandma's lockboxshared · the business · bills come out of it
Personal bankeach sibling · a debit card · empty at first

GreenGear needs a card, so before registering someone pays online with their own card and pays themselves back from the lockbox. The honest way or not.

Registered company

Company bankinvoices paid 3-7 days later · bills, rent, wages, tax
Lockbox = petty cashnight deposit bag → bank next morning
Pockets + personal banksunchanged · small clients still pay cash

Big clients pay by invoice, so skimming fades on its own as the company grows. About 1 in 10 pays late, 1 in 50 never.