Business Health Index tool from Investor Direct Funding

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First Name

1. Do you think your financials are prepared in the best possible light to secure financing?

Great

Good

Okay

Bad

2. When your bills come due including payroll, taxes, suppliers, loan or lease payments, rent or mortgage and so forth, you always:

Have plenty of cash to pay them and a fair amount extra.

Have enough cash to pay them, but not much extra.

Cut it close and from time to time delay some payments.

Never seem to have enough cash at the time bills are due.

3. How are the retained earnings of your company?
On your balance sheet, at the bottom of assets and liabilities, is a line that accumulates yearly earnings or profits and is called “Retained Earnings”. What is that number?

Positive $100,000 or more

Positive $25,000 up to $100,000

Positive $25,0000 down to Negative $25,000

Negative $25,000 and below

4. The trend in retained earnings over the past 3 years

Has been positive each year and collectively

Has been negative, but was positive for the most recent full year and this year

Was negative this past full year

It is not 3 years old yet

5. What are your Accounts Receivables vs. your Accounts Payable (Divide your collectable Accounts Receivable by your Total Accounts Payable)?

1.33 or more

1.00 to 1.33

.66 to 1.00

Less than .66

6. Business Credit - how would you rate the business credit (be practical)?

Great

Good

Okay

Bad

7. Lowest credit score of all owners

Great (over 800)

Good (700-800)

Okay (650-700)

Bad (Under 650)

8. Tax Liens / Levies / Judgments

No liens, levies or judgments

Owe taxes or suits pending, but currently no liens, levies or judgments

Had in the past but none currently

Have one now

9. Time in business?

Over 10 years

4-9 years

1-3 years

Start up

10. How is your history with any present secured parties such as your bank, leases, etc?

Always pay on time

Pay within a few days of when due

Have had a few late payments, but always caught up fast

Seem to run behind much of the time

11. What is your asset to liability ratio? (You may need a separate piece of paper for this -- see description)
Add the values for your company's following assets: Machinery, Equipment, Accounts Receivable and Inventory, at what you would get for these assets if you had to sell or collect them within 30 days, in today's market. Next, add up what you owe any party secured against those same assets, such as a bank or leasing company. The value of the assets exceed the amount you owe the secured parties by:

4 times as much or greater

3 times to 4 times as much

2 times to 3 times as much

Less than 2 times as much

12. What kind of credit from suppliers is available for your company today?

Suppliers give the company credit simply by asking for it

The company has sufficient credit to function comfortably

The company has credit, but you have to pay old bills when new deliveries are made

Currently you are on COD with some or many of your suppliers

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Business Health Index (BHI) analysis