/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? Great Good Okay Bad None 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. None 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 None 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 None 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 None 6. Business Credit - how would you rate the business credit (be practical)? Great Good Okay Bad None 7. Lowest credit score of all owners Great (over 800) Good (700-800) Okay (650-700) Bad (Under 650) None 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 None 9. Time in business? Over 10 years 4-9 years 1-3 years Start up None 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 None 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 None 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 None 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's up
