/11 Nov 2025 Cash Flow Review Please enter your first name and email to receive your results. Email Address First Name Phone number 1. How confident are you that your financial statements reflect your business’s true cash flow and profitability? Great → Fully confidentGood → Mostly confidentOkay → Somewhat confidentBad → Not confident 2. When bills, payroll, taxes, and loan payments come due, your business usually: 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. Are the retained earnings on your balance sheet: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. Over the past 3 years, how has your retained earnings trended? Positive every year and growing collectivelyNegative overall, but positive in the most recent yearNegative in the most recent yearNot applicable / less than 3 years in business 5. What are your Accounts Receivables vs. your Accounts Payable (Divide your collectable Accounts Receivable by your Total Accounts Payable)?AR exceeds AP by 33% or moreAR roughly equals AP (1:1 to 1.33:1)AR covers 66–100% of APAR covers less than 66% of AP 6. Business Credit - how would you rate the business credit (be practical)?ExcellentGoodFairPoor 7. What is the lowest personal credit score among the owners of your business?Excellent (800+)Good (700–799)Fair (650–699)Poor (under 650) 8. Does your business currently have any tax liens, levies, or legal judgments?No liens, levies, or judgmentsOwe taxes or suits pending, but currently no liensHad issues in the past, none currentlyHave a current lien or judgment 9. How long has your company been in business?Over 10 years4–9 years1–3 yearsLess than 1 year / startup 10. How have you historically paid your bank, leases, creditors, and other bills?Always on timeUsually within a few days of due dateOccasional late payments, always caught up quicklyFrequently late or behind schedule 11. How do your company’s assets compare to its liabilities?(You may need a separate piece of paper for this)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:Assets exceed secured liabilities by 4x or moreAssets exceed liabilities by 3–4xAssets exceed liabilities by 2–3xAssets exceed liabilities by less than 2x 12. What kind of credit from suppliers is available for your company today?Suppliers extend credit automaticallySufficient credit to operate comfortablyCredit exists, but often must pay old bills when new deliveries arriveMost suppliers require COD or upfront payment Thank you for taking the Business Health Index analysis. Press "SUBMIT" to see your score. Time is Up!
