Free diagnostic for small business owners & leadership teams

How healthy is your cash flow, really?

Thirteen questions. One personalized report. Instantly see where your business is exposed — and what to fix first.

Get my Cash Flow Score
4 minutes. No credit card. No sales call.
01 · Benchmark
A score versus your peers, not the market.
A 0–100 index calibrated against high-performing small businesses in your revenue band. In four minutes, you know exactly where you stand.
02 · Diagnosis
The three exposures most likely to hurt you.
Not a generic checklist — the specific blind spots your answers revealed, ranked by impact on your cash position over the next 12 months.
03 · Playbook
The first moves to make, in order.
A prioritized action plan with stated 30-day, 90-day, and full-year impact ranges. Yours to keep — whether we ever speak or not.
Why this matters
The #1 reason small businesses fail isn’t lack of revenue — it’s running out of cash while still profitable on paper. This scorecard surfaces the gap before it becomes the crisis.
The Cash Flow Optimizer team
cfoptimizer.com · Business Growth Platform
Ready when you are

13 questions. 4 minutes. Your full report on the next page.

No email required to see your score, tier, and top three exposures. Click below to start the live diagnostic.

Start the scorecard

What your Cash Flow Score means

Every business falls into one of four tiers. Your score tells you which moves matter most for the next 90 days.

Crisis Mode

0 – 40

Cash flow is a black box. Immediate triage and a 30-day stabilization plan are urgently needed.

Flying Blind

41 – 70

Some visibility, but big calls are happening on partial information. Meaningful upside is being left on the table.

Dialed In

71 – 90

Top 15% of operators at your stage. Most remaining upside is strategic — capital allocation and unit economics.

Outlier

91 – 100

Top 3% of operators. Predictable, resilient cash flow — ready to scale aggressively or weather any downturn.

Cash Flow Score FAQ

How long does the Cash Flow Score scorecard take?

About four minutes. There are 13 questions — 12 yes/no and one 1–10 confidence rating — and your personalized report appears the moment you finish.

How is my Cash Flow Score calculated?

Each yes/no question is worth 1 point and the final confidence question is worth up to 10 points, for a maximum raw score of 22. The raw score is normalized to a 0–100 index calibrated across four dimensions: Cash Visibility, Profitability Clarity, Decision Readiness, and Confidence.

What do the Cash Flow Score tiers mean?

0–40 is Crisis Mode (cash flow is a black box, immediate triage needed), 41–70 is Flying Blind (big calls on partial information), 71–90 is Dialed In (top 15% of operators), and 91–100 is Outlier (top 3% of operators).

Do I have to give my email to see my Cash Flow Score?

No. Your score, tier, top three exposures, and prioritized playbook all appear instantly on the page. Email is only required if you want a PDF copy delivered to your inbox.

Is the Cash Flow Score scorecard really free?

Yes — the 13-question scorecard, your score, your tier, and your personalized recommendations are completely free with no credit card and no sales call required.