Most cash crises announce themselves months in advance. Would you hear yours?
The Cash Flow Early-Warning Scorecard is 10 yes/no questions a CFO would ask about your business on day one. Answer them in 3 minutes and get your rating — red, yellow, or green — plus the 3 fixes for your score.
GET MY SCORECARD →The problem"But the P&L said we were profitable."
Every cash flow crisis has the same autopsy: the business was profitable on paper while the cash quietly ran out.
Receivables aged. One big customer got bigger. The forecast was a budget from last January that nobody believed.
None of it was invisible. It just wasn't anyone's job to look.
What you get10 questions. 3 minutes. Your color.
The scorecard checks the 10 signals a CFO watches first:
- How many weeks of cash you're actually holding
- Whether your 13-week forward view exists — or just a budget
- The customer concentration you've stopped noticing
- Where your runway is hiding in your own receivables
- Whether you'd pass the 20% drill — knowing what you'd cut, in order, before you had to
Score it, get your band, and the three specific fixes that matter most at your score. Not generic advice: the fixes for a red business would be a waste of a green business's time, and vice versa.
You're watching the road. Now raise the standard.
You're driving with fogged windows. Fixable — if you start now.
The warning lights are on. This month matters.
Who's behind thisWritten by a CFO, not a content team
I'm Robert Mohr. I run CFO Express, a fractional CFO practice for owner-led businesses. I've spent my career in the CFO seat of real operating companies — construction, industrial services, technology — raising $300 million along the way, closing 50+ mergers, acquisitions, and divestitures, and taking four companies public. This scorecard is the same first-pass I run in my head in every diagnostic conversation. Now it's yours.
If you score green, you'll leave with a higher standard. If you score yellow or red, you'll know exactly where to start — either way, you'll know more about your business in 3 minutes than most owners learn in a bad quarter.
3 minutes from nowGet the scorecard
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