Free Business Health Check
How Healthy Is Your Business Really?
Answer 10 quick questions. See where you stand across profitability, cash flow, strategy, and more.
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Business Health Check
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Cash Flow You May Be Leaving on the Table
Where you are now
Where you could be
Estimated Opportunity
This is the gap between where you are and where you could be. Your exact number requires a full financial analysis.
Get My Free Financial Health Check
Free. 45 minutes. Custom to your numbers.
What This Means
How You Compare to Your Industry
Your Business Across 8 Dimensions
(Click each dimension to expand)
Your 3 Biggest Gaps
Close these first. They represent the largest opportunity in your business right now.
What Closing the Gap Looks Like
Unlock with Financial Health Check
Financial Deep Dive
This section requires your actual financial data. Here is a preview of what it would reveal for your business.
Gross Margin vs Benchmark
Your Gross Margin24.3%
Industry Benchmark31.8%
Gap-7.5%
Margin compression is costing you $312K annually
Operating Profit Analysis
Operating Margin6.1%
Industry Benchmark9.4%
OpEx as % of Revenue18.2%
OpEx optimization could recover $187K in profit
Return on Invested Capital
Current ROIC11.2%
Cost of Capital8.5%
Value Creation Spread+2.7%
Improving ROIC by 3pts would increase firm value by $1.2M
Free Cash Flow Breakdown
NOPAT$892K
Working Capital Change-$214K
CapEx-$156K
Free Cash Flow$522K
DSO of 58 days is tying up $340K in receivables
Free Cash Flow Trend (12-Month Projection)
Month 1Month 6Month 12
The 8 Levers of Cash Flow
Price
5.2%
Volume
+12%
COGS
68.4%
OpEx
18.2%
DSO
58d
DIO
22d
DPO
34d
CapEx
4.1%
Download Full Report (available with Financial Health Check)
FAQ
Frequently Asked Questions About the Business Health Check
What is a business health check?+
A free 2-minute assessment that scores your business across 8 dimensions: profitability, cash flow, strategy, financial visibility, reporting, forecasting, owner dependency, and firm value. You get a personalized report showing where your business is strong and where cash flow is hiding.
Why is my revenue growing but I still feel cash poor?+
This is the most common problem we see. Revenue growth does not automatically mean more cash. The gap is usually found in margins, slow collections, costs that scale faster than revenue, or working capital tied up in the wrong places. The Business Health Check shows you which of these is hitting your business hardest.
How do I know which parts of my business are actually profitable?+
Most business owners cannot answer this without clean financials and a system that tracks the right numbers. The Business Health Check gives you a starting point. The Financial Health Check takes your actual numbers and shows you exactly which areas are generating cash and which are draining it.
What does my business health score mean?+
Your score shows how your business performs across 8 key dimensions compared to industry benchmarks. It tells you where the gaps are and estimates the cash flow opportunity hiding in your business. It is a starting point, not a final answer. Your actual numbers will tell the full story.
How do I find the cash hiding in my business?+
Most owners find $200K to $800K in cash they did not know was there. Not by working more hours but by finally having a system that tracks the right numbers and shows them which levers to pull. The Business Health Check points you in the right direction. The Financial Health Check shows you the exact dollars.
What is the Financial Health Check and how is it different?+
The Financial Health Check is the next step. It is a free 45-minute session where we collect your actual financials, build a model around your business, and walk you through exactly where your money is going and what to do about it. The Business Health Check is the diagnostic. The Financial Health Check is the analysis. Apply for your free Financial Health Check here.
What does Coltivar do?+
Coltivar helps business owners understand where their money is going and how to make more of it. We build the financial system that gives you clear visibility into your numbers, shows you which parts of your business are actually profitable, and tells you exactly which levers to pull to generate more cash. The owners we work with stop guessing and start making decisions based on real data.
Who is this assessment for?+
Business owners doing $2M or more in annual revenue who know something is off but cannot pinpoint exactly what. Construction companies, trades, service businesses, and any industry where revenue is up but cash is not following.
