Company: MGLD
Filing Date: 2025-09-19
Form Type: 10-K
Source: 0001493152-25-014286
Chunk: 190

Company: Marygold Companies, Inc.
Filing Date: 2025-09-19
Form: 10-K
Item: Item 1A
Chunk 190
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 our other contributing subsidiaries may not be accurate from time to time. Continued
investment in our Fintech app could have a material adverse effect on our operations, our financial condition, and results of operations,
and the market for our shares, including if our revenues from operations, financial condition, and market for our shares are negatively
impacted by events outside of our control. Further, negative economic events could hinder the ability of our businesses to effectively
compete in the various industries in which we operate which may create a need to raise additional financing in the future. There can
be no assurance we will be able to raise such additional financing or upon terms that are acceptable to us. Any failure to raise additional
financing as and when needed could have a negative impact on our financial condition and on our ability to further support our current
and future business plans and strategies and on our ability to continue further development of our Fintech app and may require us to
suspend, temporarily or otherwise, its future development.

Also, if we issue additional shares in a financing,
any such issuance could be dilutive to our existing shareholders. See “Liquidity and Capital Resources – Recent Note Financing”
and “- Recent Equity Financing.”

We may decide to promote our Fintech app to
third party financial institutions or other payment providers as a license, fee-based service, or otherwise, in the event, in addition
to the net proceeds we received from our recent equity financing, financing is not available on terms acceptable to us or at all, and
in sufficient amounts to continue to fund our Fintech app development.

In the event we are unable to raise additional financing
to further develop our Fintech app business discussed above, management may, as an alternative, seek to enter arrangements to license
or otherwise offer our Fintech app to third parties, including financial institutions and other payment providers in the U.S. and abroad.
Although management believes there are several financial institutions and other payment providers in the U.S. and abroad who may be interested
in a consumer faced mobile app such as ours, there can be no assurance we will be successful in monetizing our app in its current state
of development to these third parties through license, fee-based user, or other arrangement.

20

ITEM
1B. UNRESOLVED STAFF COMMENTS

None

ITEM
1C. CYBERSECURITY

The
Company recognizes that cybersecurity threats may pose significant business risks and has developed processes for identifying, assessing,
and managing these threats