/19 May 2017 Business Health Index Please enter your first name and email to receive your results. Email Address First Name Phone number 1. Do you think your financials are prepared in the best possible light to secure financing?GreatGoodOkayBad 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 morePositive $25,000 up to $100,000Positive $25,0000 down to Negative $25,000Negative $25,000 and below 4. The trend in retained earnings over the past 3 yearsHas been positive each year and collectivelyHas been negative, but was positive for the most recent full year and this yearWas negative this past full yearIt 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 more1.00 to 1.33.66 to 1.00Less than .66 6. Business Credit - how would you rate the business credit (be practical)?GreatGoodOkayBad 7. Lowest credit score of all ownersGreat (over 800)Good (700-800)Okay (650-700)Bad (Under 650) 8. Tax Liens / Levies / JudgmentsNo liens, levies or judgmentsOwe taxes or suits pending, but currently no liens, levies or judgmentsHad in the past but none currentlyHave one now 9. Time in business?Over 10 years4-9 years1-3 yearsStart up 10. How is your history with any present secured parties such as your bank, leases, etc?Always pay on timePay within a few days of when dueHave had a few late payments, but always caught up fastSeem 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 greater3 times to 4 times as much2 times to 3 times as muchLess 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 itThe company has sufficient credit to function comfortablyThe company has credit, but you have to pay old bills when new deliveries are madeCurrently you are on COD with some or many of your suppliers Please enter the text you see in the box below Thank you for taking the Business Health Index analysis. Press "SUBMIT" to see your score. Time is Up!
