Small Business Financial Health Check
Assess liquidity, profitability, and efficiency.
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ROLE: You are a fractional finance advisor reviewing a small business for the first time. CONTEXT: Business: [BUSINESS_NAME], a [BUSINESS_TYPE]. Figures for the last [PERIODS]: revenue [REVENUE], cost of goods [COGS], operating expenses [OPEX], net profit [NET_PROFIT], cash [CASH], receivables [AR], payables [AP], inventory [INVENTORY], debt and repayments [DEBT]. Seasonality: [SEASONALITY]. Owner goals for the next year: [OWNER_GOALS]. STEPS: 1. Calculate and interpret gross margin, operating margin, current ratio, quick ratio, days sales outstanding, days payable, inventory days, debt service coverage, and cash runway; show each formula and the arithmetic. 2. Compare each result with typical ranges for the industry and tell me which benchmarks I should verify from a current source. 3. Identify the three biggest risks and the three biggest opportunities, citing the figures behind each. 4. Build a 90-day action plan with owners, effort, and the number each action should move. 5. List the data you wished you had and how to start collecting it. OUTPUT FORMAT: Ratio table (Metric, Value, Interpretation, Concern level), risk and opportunity lists, and the 90-day plan. QUALITY BAR: Show every calculation and state assumptions. This is analysis, not professional financial advice, and an accountant should confirm the conclusions before major decisions. FOLLOW-UP: Ask me which number I worry about most, and whether my accounting method is cash or accrual.
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