CREDITREADY BOOKKEEPING

Is Your Business Financially Healthy?

Answer 10 quick questions. Get a personalized financial health score with action items in under 3 minutes.

What this quiz measures

Ten questions cover the five areas that decide whether a small business stays solvent: how much cash you keep in reserve, what your profit margin actually is, how long your receivables sit before customers pay, how closely you control expenses, and how current your bookkeeping is. Those are the same five things a lender or a CPA looks at first, so the answers tell you where you stand before someone else checks.

It takes under three minutes. There are no trick questions and nothing to calculate — if you are not sure of an exact number, pick the answer closest to your best estimate. That in itself is useful information: if you cannot answer a question about your own margins or aging, the gap is worth knowing.

When you finish, you get a score out of 100, the two or three areas hurting you most, and specific next steps for each one — not general advice, but the thing to fix first. Your result appears on screen immediately. No email address is required to see it, and nothing is emailed to you unless you ask.

Question 1 of 10

Cash Reserves

How many months of operating expenses do you have in cash reserves?

Think about how long your business could run if all revenue stopped today.

What your score means

80 to 100 — Strong financial footing: Your books are current and the business is likely loan-ready. Keep the monthly rhythm you have and use the numbers to plan growth rather than react to it.
60 to 79 — Solid but with gaps: The fundamentals hold, but one or two areas are dragging. It is usually cash reserves or receivables aging — money you have earned that has not arrived yet.
40 to 59 — Real warning signs: This range typically means the books are behind or the margins are unclear. Decisions are being made on rough estimates, and small problems are easy to miss.
Below 40 — Needs immediate attention: Most businesses scoring here do not know their true profitability. Getting the books current is the first step; everything else depends on having accurate numbers.

Wherever you land, the score is a snapshot, not a verdict. Most of what pulls a score down is fixable within a quarter once the bookkeeping is current and you can see the numbers each month.