Free Resource

The 15-Point Financial Risk Checklist

For small & mid-size business

A 5-minute self-assessment. If you answer “no” or “not sure” to 4 or more of these, money is leaking somewhere you can't see it.

Profitability — do you actually know what's making money?

Can you name your single most profitable client or carrier — and your least — by margin, not revenue?
Do you know which service lines lose money once you load in rework and overhead?
Have you reviewed carrier or vendor terms in the last 12 months against what they actually cost you?
Could you defend a rate increase with your own numbers, not a feeling?

Capital decisions — are you betting on optimism?

Before your last big spend (location, equipment, hire), did you model a realistic downside case — not just the plan?
Do you know what has to be true for that decision to work — and what happens if it isn't?
Is any single client or payer more than 25% of revenue — and do you have a plan if they leave?
Could you survive three months of revenue down 30%?

Cash flow & monitoring — will you see the problem coming?

Can you forecast cash 90 days out, including likely payment delays?
Do you get an alert when margin or cash deviates — or do you find out at month-end?
Do you watch a small set of numbers weekly that actually predict trouble?
Has a “surprise” hit your finances in the last 12 months you feel you should have seen?

Compliance & exposure

Is your regulatory exposure (licensing, OSHA/ADA, payer rules) a managed system or a reaction?
If a key person left tomorrow, is the financial knowledge documented — or in their head?
Do you have one place that shows the real financial health of the business right now?

How did you score?

12–15 yesYou're ahead of most owners. The gaps left are worth closing precisely.

8–11 yesFixable gaps — and usually the cheapest money you'll ever find.

Under 8You're flying partly blind, and it's quietly costing you.

Want a second set of eyes on the “no”s?

The first conversation is free, and it's about your specific situation — not a sales pitch.

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