CAPITALIZATION: Financial Operational Risk Management

Assess your access to capital, profit protection, and financial efficiency.

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Question 1: Business Credit Score Awareness

Do you know your business credit score?

Yes, and it’s above 80 (0.5 points)

Yes, but it’s below 80 (0.3 points)

I think I know it, but not certain (0.15 points)

No, I don’t know it (0 points)

Why This Matters: Your business credit score is critical for accessing capital without using personal credit. A score above 80 unlocks better rates and terms.

Can you access $50K+ in business capital within 30 days WITHOUT using personal credit or collateral?

Yes, easily through established business credit lines (0.5 points)

Possibly, but it would be difficult and require personal guarantees (0.25 points)

Only through personal credit or assets (0.1 points)

No, I don’t have access to this level of capital (0 points)

Have you identified your top 3 profit leaks in the last 90 days?

Yes, and we’re actively addressing them with action plans (0.5 points)

I think I know them, but no formal identification or action (0.3 points)

I suspect there are leaks, but haven’t investigated (0.15 points)

No idea where profit might be leaking (0 points)

Do you have clear visibility into profit margins by product line, service, or customer segment?

Yes, tracked monthly with detailed reporting (0.5 points)

Rough idea, but not precisely measured (0.3 points)

Only overall margin, no breakdown by segment (0.15 points)

No, don’t know margins at this level (0 points)

How often does cash flow stress keep you up at night or cause anxiety?

Rarely, we have strong cash flow stability (0.5 points)

Sometimes during slow seasons or after big expenses (0.3 points)

Often, cash flow is a constant concern (0.15 points)

Always, it’s my biggest source of business stress (0 points)

CAPABILITIES: AI-Augmented Operational Excellence

Evaluate your systems, processes, and technology governance.

Do you have documented SOPs (Standard Operating Procedures) for your core business functions?

Yes, comprehensive and regularly updated documentation (0.5 points)

Some documentation exists, but incomplete or outdated (0.25 points)

Informal processes, but not written down (0.1 points)

No, processes exist only in people’s heads (0 points)

Why This Matters: Documentation is the foundation of scalability. Without SOPs, your business knowledge leaves when people do.

Could your business run effectively for 2 weeks without you being involved?

Yes, completely—systems and team handle everything (0.5 points)

Partially, some things would continue, others would stop (0.3 points)

Minimally, only basic operations would function (0.15 points)

No, I’m essential to daily operations and decisions (0 points)

Do you have written AI usage policies and guidelines for your team?

Yes, clear policies with training and enforcement (0.5 points)

Informal guidelines, but not formally documented (0.25 points)

We’ve discussed it, but no written policy (0.1 points)

No, haven’t addressed AI usage with team (0 points)

Have you conducted a comprehensive operational risk assessment in the last 12 months?

Yes, formal assessment with documented findings and action plans (0.5 points)

Informal assessment, but not comprehensive (0.25 points)

Discussed risks, but no formal assessment (0.1 points)

Never done one (0 points)

Is your team cross-trained for key business functions?

Yes, we have documented backup coverage for all critical roles (0.5 points)

Limited cross-training for some functions (0.3 points)

Minimal overlap, most roles are specialized (0.15 points)

No, everyone has single-function expertise only (0 points)

CAPACITY: Scalable Operations with Risk Mitigation

Measure your ability to grow without breaking, delegate effectively, and maintain strategic focus.

Do you have clear delegation systems with defined accountability?

Yes, well-defined ownership with accountability mechanisms (0.5 points)

Some delegation, but accountability is unclear (0.25 points)

I delegate occasionally, but usually take things back (0.1 points)

I do most things myself (0 points)

Why This Matters: Effective delegation with accountability is the foundation of scaling. Without it, you remain the bottleneck.

What percentage of business tasks can ONLY be done by you (not delegatable)?

Less than 20% (0.5 points)

20-40% (0.3 points)

40-60% (0.15 points)

More than 60% (0 points)

Could your current systems, processes, and infrastructure handle 2x growth?

Yes, designed for scale with room to grow (0.5 points)

Maybe, with significant strain and scrambling (0.25 points)

No, would require major overhaul (0.1 points)

Definitely not, we’re at capacity now (0 points)

What percentage of your time is spent working ON the business (strategy, systems) vs. IN it (daily operations)?

50%+ ON the business (0.5 points)

25-50% ON the business (0.3 points)

Less than 25% ON the business (0.15 points)

Almost entirely IN the business (0 points)

If you took a 2-week vacation with limited contact, what would happen to your business?

Business runs smoothly, team handles everything (0.5 points)

Some issues arise, but team manages most things (0.3 points)

Significant problems occur, constant interruptions needed (0.15 points)

rything falls apart without me (0 points)

CONNECTIONS: Market Positioning & Demand Generation

Assess your market differentiation, visibility, and ability to attract ideal clients.

Can you articulate your business’s unique selling proposition (USP) in one clear, compelling sentence?

Yes, and prospects immediately understand our difference (0.5 points)

I have one, but it’s somewhat unclear or generic (0.25 points)

Working on it, but not there yet (0.1 points)

No clear USP, we’re similar to competitors (0 points)

Why This Matters: If you can’t clearly articulate why you’re different, prospects won’t understand it either. Clarity drives conversions.

Do you have a consistent content marketing presence?

Yes, posting valuable content weekly across platforms (0.5 points)

Sporadic posting, irregular schedule (0.25 points)

Occasional content when we have time (0.1 points)

Rarely or never post content (0 points)

Are you generating qualified organic leads monthly (non-paid)?

Yes, consistent inbound leads from content/referrals (0.5 points)

Occasional organic leads, not consistent (0.25 points)

Very few organic leads (0.1 points)

No organic leads, we rely entirely on outbound or paid ads (0 points)

Do ideal clients seek YOU out, or are you constantly chasing prospects?

They consistently come to us (0.5 points)

Mix of inbound and outbound (0.3 points)

Mostly outbound, we chase most leads (0.15 points)

We’re always hustling for every client (0 points)

How would you rate your competitive positioning?

We’re clearly differentiated with unique value (0.5 points)

Somewhat competitive, but not dominant (0.3 points)

Similar to competitors, struggle to stand out (0.15 points)

Lost in commodity competition, mainly compete on price (0 points)