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Financial Resource Center/Self-scoring assessment

The 10-Point Financial Health Check for Growing Businesses

A simple way to see where your financial foundation is strong and where it needs attention.

Why this check exists

Growth can hide financial problems. Sales may be increasing while cash gets tighter. Reports may look fine while the team is spending hours fixing errors behind the scenes.

This 10-point check is designed to help a business owner or CEO look at the financial foundation without needing an accounting degree. Answer each question based on what is true today, not what you hope will be true next quarter.

Your responses

0 of 10 answered. Nothing is submitted or stored unless you choose to request the PDF at the end.

  1. 1.Financial statements

    Do you receive a reliable profit and loss statement and balance sheet every month, usually within 10 business days?

  2. 2.Cash visibility

    Can you reasonably explain what cash is expected to come in and go out over the next 8 to 13 weeks?

  3. 3.Accounts receivable

    Do you know who owes you money, how old the balances are, and who is responsible for collections?

  4. 4.Accounts payable

    Do you know what is due, when it is due, and whether upcoming payments create cash pressure?

  5. 5.Month-end close

    Does your accounting team follow a consistent close checklist with clear owners and deadlines?

  6. 6.Balance-sheet support

    Are major balance-sheet accounts reconciled and supported every month?

  7. 7.Budget and forecast

    Do you compare actual results with a budget or forecast and understand the major differences?

  8. 8.Profitability

    Can you explain what is driving your profit or margin, not just your revenue?

  9. 9.Controls

    Are payments, journal entries, system access, and other sensitive financial activities reviewed by the right people?

  10. 10.Decision support

    Can leadership use the financial information to make decisions about hiring, pricing, spending, growth, or financing?

Answer every question to see your full result.

Next step

Talk it through with Smith Helping Hand

Explore the Financial Health Diagnostic

Educational resource only. This guide is general information and is not accounting, tax, legal, investment, or audit advice for a specific business.