---
title: Balance of a business and of an organization
summary: Each business has its own balance and reserve; money that no business has yet lies with the organization and can be moved into a business.
tools: [talemo_get_billing]
related: [credits-and-packs, spending-limit-and-bill, closing-and-restoring-a-business, low-balance-stages]
search: [balance, move money, organization money]
---

# Balance of a business and of an organization

Money in Talemo lives on two levels. An organization pays: it holds the payment
methods and invoices. Each business has its own balance, and businesses of one
organization do not share it.

## Balance of a business

The **Balance** tab of **Balance and spending** shows:

- **Balance:** the money the business has now.
- **Reserve:** a month of the business's work without the online admin and the
  assistant, at least $1. It is kept
  so that the business can keep its data and keep running for that month. It is
  counted from the last days of the business; for a business younger than a week
  the figure of a typical business is taken.
- **For the online admin and the assistant:** the balance minus the reserve.
- the spending limit, if one is set (see
  [Spending this month and the spending limit](spending-limit-and-bill.md)).

When the online admin and the assistant are expected to stop, the tab says around
which date, at the pace of the last 7 days, and an email comes 3 days before. What
happens when the balance reaches the reserve or zero is in
[Low balance and blocks](low-balance-stages.md).

A top-up made on the **Balance** tab goes straight to the balance of that
business.

## Money of an organization

Money that was paid for the organization and given to no business yet lies with
it, in the row **The organization has**, marked "not given to any business yet".
The organization's money grows when a payment is made while creating a business
or while bringing a closed business back. When a business is closed, its balance
moves here, and when an organization is deleted, its money is lost together with
it.

The **Organization's money** card on the **Balance** tab and the
**Organization** page show it to a person who can manage the organization's
money, that is, the owner. The same card has **Invoices and payment methods**,
which opens the Polar account with cards, receipts and billing details.

## Moving money into a business

**Move here** (or **Move to a business** on the **Organization** page) opens
**Transfer from the organization's money**: choose the business and how much. The
whole amount is offered, and a part can be moved; the rest stays with the
organization.

- To open a new business, the organization has to hold at least the smallest pack,
  $10.
- A business that is already open can be given any amount up to everything the
  organization has.
- Money cannot be moved back out of a business: a business keeps its money. It
  also cannot send money to another business.

## Who sees what

An owner sees and changes everything. An administrator sees the business's
balance, spending and payments but not the organization's money. See
[Team and roles](../account/team-and-roles.md).