How Financially Fit Is Your Business?

Think of this as a check-up for your business bank account. Is your business thriving—or barely surviving? Let’s find out.

Instructions: Pick the answer that sounds most like your business. Tally your points and check your financial fitness level at the end!

1. How consistent is your business revenue month to month?

A. Very consistent with predictable growth. (5 points)

B. Somewhat consistent but with seasonal dips. (4 points)

C. It fluctuates a lot—I never know what’s coming in. (2 points)

D. Inconsistent and unpredictable. (1 point)

2. Do you have a business budget or financial plan?

A. Yes, I review and update it regularly. (5 points)

B. I have one, but it’s kind of outdated. (3 points)

C. I’ve thought about making one. (2 points)

D. Nope—I just track money as it comes and goes. (1 point)

3. How do you manage your business expenses?

A. I track every expense and review them monthly. (5 points)

B. I track most of them, but not all. (3 points)

C. I keep receipts and pray come tax time. (2 points)

D. I don’t track them—I just check the bank balance. (1 point)

4. Do you pay yourself from the business consistently?

A. Yes—I have a set amount I pay myself regularly. (5 points)

B. Sometimes, if there’s extra money left over. (3 points)

C. Rarely—I reinvest almost everything back into the business. (2 points)

D. Never—I haven’t figured out how to yet. (1 point)

5. How’s your business savings or emergency fund?

A. I have at least 3–6 months of operating expenses saved. (5 points)

B. I’ve got some savings but not enough for emergencies. (3 points)

C. Very little—I’m trying to build it up. (2 points)

D. No savings at all. (1 point)

6. How do you handle taxes for your business?

A. I set aside money every month and work with a tax pro. (5 points)

B. I set some money aside but often scramble at the end. (3 points)

C. I try to figure it out when tax season hits. (2 points)

D. I’m not even sure how business taxes work. (1 point)

7. What’s your approach to business credit and funding?

A. I have business credit and use it strategically. (5 points)

B. I’ve applied for a few loans or credit lines. (3 points)

C. I only use my personal accounts for everything. (2 points)

D. I didn’t know I could build business credit. (1 point)

SCORE BREAKDOWN

30–35 Points: Financially Fit CEO

Your business is lean, strategic, and financially strong. You’re tracking income, managing expenses, paying yourself, and thinking long-term. Keep flexing those money muscles!

22–29 Points: Stable but Stretched

You’re doing a lot right, but there are a few weak spots. A tune-up in areas like budgeting, taxes, or savings could make your business truly unstoppable.

13–21 Points: Hustling but Not Healthy

You’re grinding, but financial chaos might be holding you back. It’s time to tighten up your systems and get serious about building a sustainable, profitable business.

Below 13 Points: Financial Fitness Emergency

You might be making money—but you’re not managing it. Don’t panic—this is your sign to get support, make a plan, and stop winging it. You got this, and it starts with awareness.