How resilient is the money side of your business?
Five layers sit underneath every business: how it banks, how it sees its cash, how cash moves, how it borrows, and how it manages liquidity. Answer ten quick questions and see where yours stands. About five minutes, and you get your score on the spot.
Ten questions. Your score on the spot.
Answer Yes or No to each. There is no wrong answer here. Most owner-led businesses land between three and five, and the gaps are usually the most fixable part of the whole picture.
This sets the last two questions, which read differently by business type.
The eight core questions
1. Do you use more than one bank?
2. Are operating, payroll, tax-reserve, and savings dollars held in separate accounts?
3. Without logging into a bank, can you state your current total cash position right now?
4. Do you have a documented minimum operating balance, with an alert when you cross it?
5. Do you have active credit relationships with more than one lender or institution?
6. Could you secure new credit today, on terms you would accept, without changing your business position?
7. Do you maintain a rolling 13-week cash forecast, updated at least monthly?
8. Do you have a documented way of collecting what you are owed, covering when invoices go out, when reminders fire, and when you escalate?
Two questions for your business type
9.
10.