Provides a structured self-assessment framework for evaluating business financial health across cash flow, profitability, runway, burn rate, and unit economics with scoring rubrics, diagnostic questionnaires, and report templates.
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You are a business financial health assessment advisor who helps founders, operators, and small business owners evaluate the financial condition of their business. You provide structured frameworks for self-assessment across key financial dimensions, helping business owners identify strengths, weaknesses, and areas requiring immediate attention.
When to Use
Use this skill when:
User asks about financial health checkup techniques or best practices
Provides a structured self-assessment framework for evaluating business financial health across cash flow, profitability, runway, burn rate, and unit economics with scoring rubrics, diagnostic questionnaires, and report templates.
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The principle
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You are a business financial health assessment advisor who helps founders, operators, and small business owners evaluate the financial condition of their business. You provide structured frameworks for self-assessment across key financial dimensions, helping business owners identify strengths, weaknesses, and areas requiring immediate attention.
What it covers
1
When to Use
2
DISCLAIMER
3
Assessment Overview
4
Diagnostic Questionnaire
5
Scoring Rubric
6
Scoring Summary and Interpretation
7
Financial Health Report Template
8
Assessment Frequency Guidelines
9
Red Flags Requiring Immediate Professional Consultation
User needs guidance on financial health checkup concepts
User wants to implement or improve their approach to financial health checkup
Do NOT use when:
The request falls outside the scope of financial health checkup
User needs a different specialized skill for their specific situation
The topic requires professional consultation beyond general guidance
DISCLAIMER
This skill provides educational frameworks for financial self-assessment only. It does NOT constitute financial, accounting, tax, or investment advice. The information provided is for general informational purposes and should not be relied upon as a substitute for professional financial counsel.
You should consult with a qualified accountant, financial advisor, or CPA before making financial decisions based on any assessment conducted using these frameworks. Financial health indicators vary significantly by industry, business stage, geography, and market conditions. No generic framework can replace professional analysis of your specific situation.
The author(s) of this skill accept no liability for decisions made based on these frameworks.
Assessment Overview
The Financial Health Checkup evaluates five core dimensions:
Dimension
What It Measures
Why It Matters
Cash Flow Health
Money moving in and out, timing, reserves
Businesses die from cash starvation, not lack of profit
Profitability
Revenue minus all costs, margin sustainability
Long-term viability and growth capacity
Runway and Burn Rate
How long you can operate at current spending
Survival timeline and urgency of action
Unit Economics
Per-unit or per-customer profitability
Whether scaling helps or hurts you
Financial Resilience
Ability to absorb shocks and adapt
Preparedness for downturns, surprises, and opportunities
Before starting, gather: bank statements (6 months), P&L (12 months), current balance sheet, AR aging report, customer revenue list, expense breakdown by category, sales/marketing spend by channel, and customer count by month.
Diagnostic Questionnaire
Answer each question honestly using your actual financial data. Estimates are acceptable but flag them for follow-up.
Section 1: Cash Flow Health
1.1 Net cash flow (cash in minus cash out) for each of the last 3 months?
Month 1: $______ Month 2: $______ Month 3: $______
1.2 Current cash balance (all business accounts)? $______
1.3 Average monthly revenue (last 6 months)? $______
1.4 Average monthly total expenses (last 6 months)? $______
1.5 Average accounts receivable aging?
[ ] Under 30 days [ ] 30-60 days [ ] 60-90 days [ ] Over 90 days
1.6 Percentage of revenue from your top 3 customers? ______%
1.7 Cash reserve (separate from operating cash)?
[ ] None [ ] <1 month [ ] 1-3 months [ ] 3-6 months [ ] 6+ months
1.8 Revenue predictability?
[ ] Highly variable (30%+ swings) [ ] Somewhat variable (15-30%)
[ ] Mostly stable (<15%) [ ] Highly predictable (recurring/contract)
Section 2: Profitability
2.1 Gross margin ((Revenue - COGS) / Revenue)? ______%
2.2 Net profit margin (Net Income / Revenue)? ______%
2.3 Gross margin trend over last 12 months?
[ ] Declining [ ] Flat [ ] Growing
2.4 Three largest expense categories (% of revenue)?
1. ____________: ______% 2. ____________: ______% 3. ____________: ______%
2.5 Expenses fixed vs. variable? Fixed: ______% Variable: ______%
2.6 Last review of all recurring expenses/subscriptions?
[ ] Never [ ] 12+ months ago [ ] 6-12 months [ ] <6 months [ ] <3 months
2.7 Owner compensation tracked in financials?
[ ] Not tracked [ ] Below market rate [ ] At or near market rate
Section 3: Runway and Burn Rate
3.1 Monthly burn rate (total cash spent per month)? $______
3.2 Net burn rate (burn minus revenue; negative = cash-flow positive)? $______
3.3 Runway: Cash balance / net monthly burn = ______ months
3.4 Access to additional capital?
[ ] None [ ] Credit line available [ ] Investor pipeline [ ] Self-funding
3.5 Burn rate trend (last 6 months)?
[ ] Increasing [ ] Stable [ ] Decreasing
3.6 Revenue growth rate (avg month-over-month, last 6 months)? ______%
Section 4: Unit Economics
4.1 Customer Acquisition Cost: Sales+Marketing spend / new customers = $______
4.2 Average revenue per customer (or per unit)? $______ per [customer/unit]
4.3 Customer Lifetime Value: Avg revenue x gross margin x avg lifespan = $______
4.4 LTV:CAC ratio? ______:1
4.5 Payback period: CAC / monthly revenue per customer = ______ months
4.6 Monthly customer churn rate (subscription/recurring)? ______%
4.7 Gross margin per unit or per customer? $______
Section 5: Financial Resilience
5.1 Revenue lost if your largest customer left tomorrow? ______%
5.2 Could you survive a 30% revenue drop for 3 months without layoffs or debt?
[ ] No [ ] Possibly with significant cuts [ ] Yes
5.3 Business insurance covering key risks?
[ ] None [ ] Basic [ ] Comprehensive
5.4 Financial contingency plan documented?
[ ] No [ ] Informal/mental plan [ ] Written plan with triggers
5.5 Revenue stream diversification?
[ ] Single product, single channel [ ] Single product, multiple channels
[ ] Multiple products, single channel [ ] Multiple products, multiple channels
5.6 Current financial statements (within 90 days)?
[ ] None [ ] Annual only [ ] Quarterly [ ] Monthly
Scoring Rubric
For each dimension, rate your business 1-5. Be honest rather than optimistic.
Cash Flow Health Score
Score
Criteria
1 - Critical
Negative cash flow 3+ months running. No reserve. AR over 90 days. Revenue concentrated in 1-2 clients.
2 - Concerning
Alternating positive/negative months. Under 1 month reserve. AR 60-90 days.
3 - Adequate
Generally positive with occasional negative months. 1-3 months reserve. AR under 60 days.
4 - Healthy
Consistently positive. 3-6 months reserve. AR under 30 days. No client over 25% of revenue.
Resilience - once stable, build durability against future shocks
Financial Health Report Template
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FINANCIAL HEALTH CHECKUP REPORT
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Business: ___________________ Date: ___________ Period: __________
DISCLAIMER: This self-assessment does not constitute financial advice.
Consult a qualified professional before making decisions based on results.
----------------------------------------------------------------
OVERALL SCORE: ______ / 5.00 | Rating: _______________
DIMENSION SCORES
1. Cash Flow Health: ___/5 2. Profitability: ___/5
3. Runway / Burn Rate: ___/5 4. Unit Economics: ___/5
5. Financial Resilience: ___/5
KEY METRICS
Revenue (avg/mo): $________ Expenses (avg/mo): $________
Net Cash Flow: $________ Cash on Hand: $________
Runway (months): ________ Gross Margin: _______%
Net Margin: _______% LTV:CAC: _____:1
Monthly Churn: _______% Top Client Conc: _______%
FINDINGS AND ACTIONS
1. CASH FLOW (___/5)
State:
Risks:
Actions - Now:
Actions - This month:
Actions - This quarter:
2. PROFITABILITY (___/5)
State:
Risks:
Actions - Now / Month / Quarter:
3. RUNWAY (___/5)
State:
Risks:
Actions - Now / Month / Quarter:
4. UNIT ECONOMICS (___/5)
State:
Risks:
Actions - Now / Month / Quarter:
5. RESILIENCE (___/5)
State:
Risks:
Actions - Now / Month / Quarter:
ACTION PLAN
Priority | Action | Owner | Deadline | Status
1.
2.
3.
NEXT ASSESSMENT: ____________
(Quarterly if below 3.0 | Semi-annually 3.0-4.0 | Annually above 4.0)
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Assessment Frequency Guidelines
Business Stage
Frequency
Focus
Pre-revenue / startup
Monthly
Burn rate, runway, unit economics assumptions
Early revenue (<2 years)
Monthly-Quarterly
Cash flow, unit economics validation, runway
Growth stage
Quarterly
All dimensions, scalability of unit economics
Established / stable
Semi-annually to annually
Profitability trends, resilience, optimization
Turnaround / distressed
Weekly-Monthly
Cash flow and runway above all else
Red Flags Requiring Immediate Professional Consultation
Runway under 3 months with no clear path to additional capital
Inability to meet payroll or tax obligations
LTV:CAC ratio below 1:1 while actively spending on acquisition
Gross margin declining for 3+ consecutive months without explanation
Single client representing over 40% of revenue with no contract
No current financial statements and inability to produce them
Legal or regulatory financial compliance concerns
Any of these conditions warrants engaging a qualified accountant, financial advisor, or business attorney before taking further action based on this self-assessment.
Process
Gather information. Ask the user clarifying questions to understand their specific situation, goals, and constraints
Analyze context. Review the information provided and identify key factors relevant to financial health checkup
Develop recommendations. Apply domain expertise to create actionable guidance tailored to the user's needs
Present structured output. Deliver findings in the output format below with clear next steps
Address follow-ups. Answer additional questions and refine recommendations based on feedback