Is Your Business Actually Healthy? Find Out in 2 Minutes.
Most small business owners know their revenue number. Far fewer could tell you their current ratio, their cash runway, or how many days it takes to actually collect the money they're owed.
That's not a knock — it's just not what you signed up for. You started your business to do the work you're good at, not to build a balance sheet model on a Sunday night. But the businesses that make it past year five almost always have one thing in common: someone is watching these numbers before they become a problem, not after.
So we built a tool that does the first pass for you.
Introducing the Financial Health Check
Plug in seven numbers you already know — your monthly revenue, cost of goods sold, operating expenses, cash on hand, receivables, payables, and inventory — and get an instant read on where your business stands.
No email required, nothing saved, nothing sent anywhere. Just your numbers in, a clear picture out.
What It's Actually Telling You
The tool boils your business down to a single Financial Health Score, but the real value is in the individual metrics behind it. Here's what each one means and why it matters more than most owners realize:
Gross margin is what's left after direct costs — before rent, payroll, or anything else. If this number is thin, everything downstream gets harder, no matter how much revenue you bring in.
Net margin is the number that actually matters at the end of the month. It's easy to feel busy and profitable at the same time as losing money. Net margin is where that gets caught.
Break-even revenue tells you the minimum you need to bring in just to cover costs. Most owners have never calculated this precisely — they're running on instinct instead of a number. Knowing it changes how you think about a slow month.
Cash runway answers the question that keeps owners up at night: if things don't improve, how long do we have? This is the metric that turns a vague worry into a plannable timeline.
Current ratio and quick ratio measure whether you could cover what you owe right now if you had to. A business can be profitable on paper and still get squeezed if too much cash is tied up in receivables or inventory.
Cash conversion cycle shows how long money is tied up between paying your costs and collecting from customers. Shorten this, and you free up cash without changing a thing about your sales.
Why This Matters More Than It Seems
None of these metrics are exotic. They're the same ones a CFO would pull up in the first ten minutes of looking at your business. The difference between a business that's flying blind and one that isn't usually isn't more revenue — it's visibility into numbers like these, tracked consistently instead of checked once a year at tax time.
That's the gap fractional CFO support is built to close: not just running these numbers once, but building the forecasts, the KPI tracking, and the monthly rhythm that keeps them in front of you before a cash crunch shows up as a surprise.
Run Your Numbers
Try the tool above with your actual figures. If something comes back flagged — a thin margin, a tight runway, a ratio that's off — that's worth a conversation, not a source of alarm. Most of what shows up is fixable once you can see it clearly.
This tool provides general estimates for planning purposes and does not constitute financial, tax, or legal advice.
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