Cash Flow Health Check | Business Dad Energy

Most business owners check their bank balance and call it cash flow management. That works until it doesn't. Fill in the numbers below, check the boxes honestly, and let the scorecard tell you where you stand.

The Basics

Monthly revenue (avg last 6 months)

Monthly fixed expenses

Monthly variable expenses (avg)

Current cash on hand

Accounts receivable (outstanding)

Accounts payable (what you owe)

Your Cash Runway Cash on hand / monthly fixed expenses

-- months

Under 2 months? That's your first priority. You're one bad month away from a crisis. Anything over 3 months gives you room to breathe and make real decisions.

Cash Flow Timing

I know my average days to get paid

Most owners don't know this number. It's the single biggest lever on your cash flow.

I pay vendors slower than I collect from customers

If you're paying out faster than you're collecting, you're funding everyone else's business.

I know which months are tight and which carry the year

Seasonal swings are fine if you plan for them. Surprises are what kill cash flow.

I know my recurring vs. one-time revenue split

How much shows up every month without a new sale? That's your foundation.

No single customer is more than 25% of revenue

Over 25%? That's concentration risk. If they leave, your business takes a serious hit.

Red Flags

These are warning signs. The fewer you check, the better.

I check my bank balance to decide if I can make payroll

This is reactive. You need a 13 week cash forecast.

I've used credit to cover operating expenses

Debt should fund growth, not cover gaps.

I don't know my gross margin by service or product

Revenue is vanity. Margin is sanity.

My AR is growing faster than revenue

Selling more but collecting less. That's a cash trap.

I've been surprised by a tax bill in the last 12 months

Surprises mean your books aren't telling you the truth.

I can't explain my P&L in 2 minutes

If you can't explain it, you can't act on it.

My accountant sends reports I don't read

Reports nobody reads are reports nobody needs.

Your Score

0 / 5

good habits

0 / 7

red flags

Check the boxes above to see your results.

Your Action Plan

Build a 13 week rolling cash forecast. Update it weekly.

Maintain at least 2 months of fixed expenses in cash reserves.

Review your AR aging every week. Chase anything over 45 days.

Know your break even number by month. Write it down.

Schedule a monthly 30 minute cash review with your team or advisor.

Want help building your cash flow system?

We'll build it with you. That's what a true partner does.

Let's Talk

Cash FlowHealth Check

The Basics

Cash Flow Timing

I know my average days to get paid

I pay vendors slower than I collect from customers

I know which months are tight and which carry the year

I know my recurring vs. one-time revenue split

No single customer is more than 25% of revenue

Red Flags

I check my bank balance to decide if I can make payroll

I've used credit to cover operating expenses

I don't know my gross margin by service or product

My AR is growing faster than revenue

I've been surprised by a tax bill in the last 12 months

I can't explain my P&L in 2 minutes

My accountant sends reports I don't read

Your Action Plan

Want help building your cash flow system?

Cash Flow
Health Check