10 questions. About 3 minutes. Get an honest cash-flow health score for your business plus the 3 to 5 fixes that will make the biggest difference in the next 90 days.
This is not a calculator — it scores your habits, processes, and discipline. Two businesses can have identical numbers and very different cash positions, because one watches cash closely and the other does not. This tool tells you which one you are.
Cash Flow Habits Scorecard
10 questions across 4 cash-flow dimensions. Honest answers give honest scores.
How often do you check your business bank balance?
Do you know how much cash you will have at the end of next month?
How current is your bookkeeping?
On average, how many days does it take you to get paid?
Do you have a system for chasing overdue invoices?
What percentage of revenue do you write off as bad debt each year?
How do you decide when to pay supplier invoices?
Do you keep business and personal money cleanly separated?
How many months of operating expenses do you hold as a cash buffer?
Do you set aside money for tax, BAS, and super as it accrues?
How the scoring works
Answer 10 questions
Four answer choices per question. Pick the one closest to your real situation — being honest gives you a useful score.
Get an overall score plus dimension breakdown
Each answer scores 0 to 3 points. Your overall score is out of 30. We also show your score across 4 dimensions so you see exactly where the weakness is.
Get 3 to 5 priority actions
Based on your weakest answers, we surface the fixes that will move the needle most in the next 90 days. High-priority red flags first.
The four dimensions we score
| Dimension | What it measures | Why it matters |
|---|---|---|
| Cash visibility | How often you check cash, whether you forecast, how current your books are. | You cannot manage what you cannot see. Most cash crises are forecastable 30 to 60 days out. |
| Accounts receivable | How long you wait to be paid, how systematically you chase, your bad-debt rate. | Every extra day of debtor days is cash you have lent your customers for free. |
| Spending control | How you time supplier payments, whether business and personal money are separated. | Disciplined AP smooths cash. Mixed business/personal money makes every report unreliable. |
| Planning and buffer | Months of cash reserves, whether tax/BAS/super are set aside as they accrue. | A buffer turns a bad month into an inconvenience. No buffer turns it into a crisis. |
Frequently asked questions
Is this free and confidential?
Free, no signup, no email capture, no analytics on your answers. The entire tool runs inside your browser — your responses never leave your computer. Close the tab and the data is gone.
Who is this for?
Australian small business owners — sole traders, companies, family businesses with up to about 20 staff. The questions are pitched at owners who do not have a CFO or finance team but want to know whether they are running cash properly.
How is this different from your Cashflow Health Check tool?
The Cashflow Health Check uses your actual numbers — revenue, expenses, debtor days — and calculates ratios. This Scorecard tests your habits and processes. Two businesses can have identical numbers but very different cash discipline. Run both for the full picture.
What does a score of “At risk” actually mean?
It means a single bad month — a major customer paying late, an unexpected ATO bill, a quiet quarter — would force you into reactive decisions. It does not mean you are about to go under. It means you have less margin for error than you should.
Can I retake the test later to track progress?
Yes. We recommend retaking it every 90 days. Most owners who actually action the priority list see their score lift by 5 to 8 points in a quarter, especially in the Visibility and Buffer dimensions.
What happens if I book a Strategy Call?
A free 30-minute call with Trinity. You bring your score and your two biggest pain points. We look at what is causing the lowest dimension and tell you the one or two changes that will lift it. No pressure to engage us afterwards.
