Answer a few questions
Tell us about deposits, debt payments, balances, time in business, and your current challenge.
REVENUE DOES NOT EQUAL CASH FLOW
Your Sales Are Up. So Where Is the Cash Going?
Take a free assessment to uncover possible pressure from debt payments, payroll, inventory, slow collections, and the timing of money moving through your business.
✓ Free
✓ Only a few minutes
✓ No credit pull
✓ No obligation
YOUR CASH FLOW SNAPSHOT
57STRAINED
Debt payment burdenHigh
Estimated monthly pressure$18,900
Potential next stepReview options
Preliminary example only. Your score is calculated from your actual numbers in the Cash Flow Score assessment.
SOUND FAMILIAR?
Does Any of This Sound Familiar?
- Sales are growing, but the bank balance is not
- Payroll keeps getting harder
- Cash is tied up in inventory
- Customers pay after bills are due
- Debt payments drain deposits
- You keep wondering where the money went
A CLEARER WAY FORWARD
Know the pressure before taking on more money.
Most business owners are offered another product before anyone studies the full cash-flow picture. We start with the numbers.
Receive a preliminary score
Get a preliminary Cash Flow Score showing whether your cash flow appears healthy, strained, or critical.
Identify likely pressure points
See which areas — debt, payroll, inventory, receivables, or timing — may be creating the most strain.
Optionally verify with documents
Submit recent bank statements for a deeper, verified look at what the preliminary score found.
Review practical next steps
Explore restructuring, longer-term capital, credit improvement, or other strategies based on the complete picture.
FREE PRELIMINARY ASSESSMENT
What is your Business Cash Flow Score?
The Cash Flow Score is a free, preliminary assessment that helps identify what may be squeezing your business cash flow. It is not a credit decision or financing approval.
Get My Free Cash Flow ScoreFree · Only a few minutes · No credit pull · No obligation
WHAT THE ASSESSMENT EVALUATES
- Timing of cash coming in and going out
- Debt-payment burden
- Payroll and operating pressure
- Receivables
- Inventory
- Seasonality
- Available liquidity
- Financing obligations
NOT JUST ANOTHER ADVANCE
The right solution depends on what the numbers show.
Once the diagnosis is clear, next steps may involve business debt and payment pressure — which can include merchant cash advances, term loans, lines of credit, equipment financing, credit-card debt, or other recurring obligations. Financing is one possible tool, not the starting point.
Cash-Flow Restructuring
Review existing debt-payment obligations, whatever the frequency, and look for ways to reduce immediate payment pressure.
Longer-Term Capital
Explore SBA, term-loan, line-of-credit, and asset-backed possibilities when the business qualifies.
Credit Optimization
Identify utilization, inquiries, reporting issues, and other credit factors that may be blocking stronger options.
Working-Capital Strategy
Match the use of funds to realistic repayment capacity instead of solving a shortfall with another shortfall.
THE CASH FLOW MINUTE
Understand your cash before someone sells you more money.
Revenue vs. Cash Flow
A company can report strong sales while debt service, payroll timing, and receivables leave the bank account empty.
The Advance Spiral
New capital may temporarily fix the account balance while making next month's cash-flow problem worse.
Financing That Costs Growth
When payments consume the money needed for inventory, marketing, hiring, or taxes, financing can begin limiting growth.
TRUST AND CLARITY
What to expect from the free assessment.
- No credit pull for the preliminary assessment
- No obligation
- Information is used to personalize the assessment
- Financing is discussed only when appropriate
- Estimates can be verified later
The preliminary Cash Flow Score is educational and based on information provided by the user. It is not accounting, legal, tax, lending, or investment advice and does not guarantee financing or any particular result.
Find My Biggest Cash Flow Pressure
Get My Free Cash Flow ScoreGET A VERIFIED REVIEW
Ready to look at the full cash-flow picture?
Submit your recent business bank statements and current financing information for a deeper review. A verified assessment can uncover details that a quick score cannot.
Important disclosure
The Cash Flow Files provides educational information and a preliminary business cash-flow diagnostic. We are not a bank and do not guarantee financing, approval, savings, credit improvement, or a specific restructuring result. Any financing or service offered is subject to underwriting, documentation, eligibility, fees, and separate terms.