Small business · Flower studio
How Bloom & Stem grew a rainy-day fund in one season
A seasonal flower studio turned lumpy wedding-season income into a calm monthly plan.
$18.4k
saved in 12 months
Hana Ruiz
Founder, Bloom & Stem
The challenge
Bloom & Stem earns most of its year between May and September. Winter months used to mean dipping into personal savings to cover rent and suppliers.
What changed
Hana connected the studio account and her personal account to Kioro. A payday rule now moves 15% of every wedding deposit into a separate fund, and the forecast flags lean months eight weeks out.
The result
After one season the studio had $18,400 set aside, and Hana spends Sunday afternoons in the garden instead of in a spreadsheet.