Financial Health Check
A repeatable monthly check-up: burn, runway, liquidity, DSO, margins, and concentration, scored red/amber/green, with warning signs.
Before & after
Same prompt, same agent — the only difference is the skill.
It's good to look at your finances regularly. You'll want to track things like revenue, expenses, and profit margin. Cash flow is important — how much money do you have on hand? Are you growing month-over-month? What are your biggest expense categories? It's worth comparing your numbers to industry benchmarks, though every business is different. You might want to look at your customer acquisition cost and lifetime value to see if your business model works. Profitability is something to track, and understanding your burn rate helps you know how long you can sustain the business if revenue stays flat. You should also look at any debt or obligations you have. Overall financial health depends on a lot of factors, and it's hard to give specific advice without seeing your actual numbers. I'd recommend organizing your data and thinking through what matters most.
FINANCIAL HEALTH AUDIT (Illustrative: not investment advice) CASH POSITION → Monthly recurring revenue: $48K (up 12% MoM) → Cash on hand: 18 months of runway at current burn; healthy → 30-day collections: 4 days (fast) PROFITABILITY → Gross margin: 78% (solid for SaaS; benchmark 70-80%) → Operating margin: -8% (growing into profitability) → Unit economics: CAC $1,200, LTV $14,400, payback 4.2 months GROWTH HEALTH → Net revenue retention: 94% (churn is 2% MoM; acceptable) → Customer count: 164 accounts; 6% quarter-over-quarter account growth → MRR growth rate: 12% (decelerating; needs investigation) RISK FLAGS → Top 3 customers = 31% of revenue (concentration risk) → Product team bandwidth (1 eng, 0.5 design for 40+ feature requests) RECOMMENDATIONS Priority 1: Hire second engineer to unblock product roadmap Priority 2: Win 2 mid-market logos to diversify revenue concentration Priority 3: Tighten sales cycle (currently 45 days; industry avg 30) ⚠ This is sample analysis, not financial advice. Consult a CPA or financial advisor for your situation.
About this skill
Run the same financial diagnostic every month from your P&L, balance sheet, and AR aging, so you can track changes over time. It flags warning signs, like revenue being booked but not collected, before they turn into a cash problem.
What it does
- Calculates a fixed metric set: net burn, runway, current and quick ratios, gross and operating margin, DSO, DPO, concentration, DSCR, and burn multiple for SaaS
- Scores each metric against stated thresholds by business model
- Checks eight early warning patterns, such as rising DSO on flat revenue or stretched payables
- Pulls reports from an accounting connector such as QuickBooks or Xero when one is available
What you get
A health report with an overall status, a scorecard with trends, the warning signs present with evidence, up to three ranked actions, and data gaps.
Best for
Owners, fractional CFOs, and finance leads of small and mid-size companies who want a consistent monthly or board-ready snapshot.
SKILL.md preview
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name: financial-health-check
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