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0/8
Modules
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Health Score
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Readiness
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DSCR
📊 Business Health Check
Module 1 of 8 · Rate yourself honestly — this is your starting point
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Health
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BMC
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Lender
🎯
Readiness
📐
DSCR
📖
Story
📋
Docs
🤖
Plan

How healthy is your business today?

Rate yourself 1–4 in each area. 1 = Not in place, 2 = Getting started, 3 = Pretty good, 4 = Strong. Be honest — this helps Groundwork. give you the right resources and show lenders your self-awareness.

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Money
Financial management and tracking
Q1 of 12 · Money
Do you have current Profit & Loss statements?
P&L statements show income and expenses over a period of time
📊 Resources for building your P&L:
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Wave Accounting
Free bookkeeping software for small businesses
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SCORE P&L Template
Free profit and loss statement template
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QuickBooks Simple Start
Affordable bookkeeping to track income and expenses
Q2 of 12 · Money
Do you track and manage your cash flow?
Cash flow is the movement of money in and out of your business
💰 Resources for improving cash flow tracking:
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SCORE Cash Flow Templates
Free cash flow projection templates
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SBA Cash Flow Guide
Understanding and managing business cash flow
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Wave Accounting
Free cash flow tracking for small businesses
Q3 of 12 · Money
Do you know your personal credit score range?
Most lenders require a minimum score of 650–680
💳 Resources for improving your credit score:
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Credit Karma
Free credit monitoring and improvement tips
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CFPB Credit Guide
Free guide to understanding and improving credit
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SCORE Financial Coaching
Free one-on-one mentoring on financial management
Q4 of 12 · Money
Do you keep separate business and personal finances?
Separate accounts are required by most lenders
🏦 Resources for separating business finances:
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SBA Business Banking Guide
How to set up a business bank account
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Wave Accounting
Free business accounting software
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SCORE Bookkeeping Guide
Free bookkeeping basics for small businesses
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Marketing
Customer reach, brand, and competitive position
Q5 of 12 · Marketing
Do you clearly know who your target customers are?
Who buys from you, why, and how do you reach them?
🎯 Resources for defining your target market:
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SCORE Market Research Guide
Free guide to identifying your target customers
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SBA Marketing Guide
Market research and customer segmentation basics
Q6 of 12 · Marketing
Can you clearly explain your competitive advantage?
Why do customers choose you over competitors?
Q7 of 12 · Marketing
Do you have an active online presence?
Website, Google Business, social media, reviews
🌐 Resources for building your online presence:
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Google Business Profile
Free business listing on Google Maps and Search
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SCORE Digital Marketing Guide
Free guide to online marketing for small businesses
Q8 of 12 · Marketing
Do you have a clear brand identity?
Logo, colors, messaging, professional appearance
⚙️
Management
Operations, planning, and business readiness
Q9 of 12 · Management
Do you effectively manage your time and operations?
Systems, scheduling, delegation, and daily operations
⏱ Resources for time and operations management:
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SCORE Operations Guide
Free guide to managing business operations
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SBA Management Guide
Business management and operations basics
Q10 of 12 · Management
Do you have a clear vision and strategy for your business?
Where are you going and how will you get there?
🎯 Resources for business strategy and planning:
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SCORE Business Plan Template
Free lender-ready business plan template
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SBA Business Plan Guide
Step-by-step strategic planning guidance
Q11 of 12 · Management
Do you have a risk management or contingency plan?
What happens if a key customer leaves or revenue drops?
🛡 Resources for risk management:
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SCORE Risk Management Guide
Free guide to identifying and managing business risks
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SBA Risk Management
Business insurance and risk management basics
Q12 of 12 · Management
Do you protect your business and customer data?
Contracts, cybersecurity basics, customer privacy
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