See what your numbers say before growth turns into a problem.
Upload your financial statements and get a clear, benchmark-driven breakdown of profitability, cash flow, working capital, and leverage — explained in plain English, so you can see whether your growth is outrunning what your business can support.
This tool provides general financial analysis for informational purposes only. We are not a CPA firm, law firm, or licensed financial advisor, and nothing here constitutes accounting, tax, legal, or investment advice. Benchmarks and calculations are estimates based on the data you provide and industry averages — not guarantees of loan approval, business performance, or financial outcomes. Consult a qualified CPA, attorney, or financial advisor before making business or financial decisions.
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See what your report looks like
Sample — illustrative dataFinancial Health Report
Good confidence
You're profitable and liquid — but heavily in debt, with your cash stuck in unpaid invoices.
You're making money, and you can more than cover your near-term bills. But you owe $4.25 for every $1 of your own money in the business, and $1.2M of your cash is sitting in receivables. Two things to get ahead of — while the getting is good.
You're waiting 80 days to get paid on $1.2M of invoices. Tighten that to a normal 45 and you pull about $510,000 of your own cash out of your customers' hands — enough to knock down the line of credit and take real weight off that debt load. No new sales required. Just faster paperwork.
Strong cash generation — the engine runs well.
$1.08M of working capital — you can cover near-term bills with room to spare.
Thin — depreciation and interest eat most of a strong EBITDA. Right around the industry line.
$6.99M owed against $1.65M of your own money. Manageable now — but it's the thing to watch.
Your biggest lever — see above.
Right at the lender minimum — no cushion. Estimated; confirm your actual debt payments.
High — normal for an asset-heavy business.
A big asset base earning a thin return — collections and debt are the reasons.
Comfortably in range — growth is neither capital-starved nor running paper-thin.
This is a sample with made-up numbers so you can see the format. Your real report also includes "what we found in your books" flags, a personalized "what's next" list, and a walkthrough of any adjustments made to clean up your books.
See your growth guardrails, too
Sample — illustrative dataOnce you know your numbers, a second tool — included with access — shows how much you can safely grow this year and over the next 5, based on your cash-conversion timing.
What your working capital safely supports.
Ceiling minus today's revenue.
How fast your safe size compounds as you reinvest.
It also shows exactly what a specific growth target would cost in working capital, and the gap you'd need to borrow or invest to hit it.
What it measures
- Profitability & margin trends
- Cash conversion cycle and working capital
- Leverage, coverage, and liquidity
- Practical next steps and prioritized risks
Frequently asked
Accounts and uploads are used only for benchmark analysis; we do not sell or share your data. To access the interactive tool you will need to sign in — new accounts can be created during the process.