SME Health Check
Know Where You Stand
Independent assessment to answer the questions you can't answer alone.
Investment: £2,500 + VAT
The Problem You Can't Solve Alone
You can't diagnose yourself. You're too close, too invested, too worried or too hopeful to see clearly.
That nagging feeling about your business might be paranoia. Or it might be your instinct telling you something's genuinely wrong. The problem is: you can't tell which.
These are the questions business owners ask themselves at 3am:
Is our business actually viable?
Is our cashflow pressure normal or dangerous?
Is our customer concentration a problem?
Are our margins sustainable?
Can this partnership survive?
You know these questions matter. You just can't answer them from inside the business.
That's what a Health Check is for.
What You Get
Remote access to your accounting system allows independent analysis, before I spend half a day with key stakeholders, understanding your numbers and business fundamentals, building the picture that you can't see from inside.
Then I give you a written assessment: Green (you're fine), Amber (you have problems that need addressing), or Red (you need urgent intervention).
You'll know exactly where you stand and what to do about it.
Timeline: 7-10 days from booking to debrief call.
The Process
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You tell me what's keeping you up at night. I explain what I need access to and what happens next.
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You give me remote access to your accounting software (Xero/Sage/QuickBooks) plus key financial documents. I start building the picture before I arrive.
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I'm in your business for half a day, going through the numbers, understanding the dynamics, asking the questions that reveal what's really happening.
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I build a complete financial picture - not what your management accounts say, but what's actually true about your cash position, viability, and risk exposure.
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Clear assessment with traffic light system:
Green: You're fine. Here's what to watch.
Amber: You have problems. Here's what they are, here's what needs addressing, here's what happens if you ignore them.
Red: You need urgent intervention. Here's what Phase 1 or Phase 2 looks like.
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I walk you through what I found, answer your questions, and discuss next steps.
What This Actually Reveals
Example: Logistics business, £14M turnover
They called because "cashflow feels tight but we're growing fast so we think it's just growing pains."
After a pre-site financial analysis and half a day on-site I'd identified:
£600,000 cash gap between what they thought their position was and reality
Customer concentration at 60% (dangerous but they'd convinced themselves it was fine because "40 years of partnership")
No proper product costing system, so they didn't know which work was profitable
Client deposits being used to fund operations (creating legal exposure)
The directors genuinely didn't know. Their management accounts showed profit. They thought they just needed "better systems" - improvement opportunities, not existential threats.
The Health Check revealed they were potentially trading insolvently and had weeks of runway, not months.
That assessment allowed them to act while they still had options. Six months later, they'd have had none.
That's the difference between diagnosis while you have choices and diagnosis when you're out of time.
Investment
£2,500 + VAT, payable upfront
If the Health Check reveals you need deeper work (Phase 1: Clarity), this £2,500 is credited against that fee. You're not paying twice for diagnosis.
If it shows you're fine, you've bought clarity and peace of mind. You'll know what to watch and you can stop worrying.
What you're paying for: Pattern recognition from someone who's seen your exact situation dozens of times. Honesty from outside your business. Clarity about whether you have a problem before it becomes a crisis.
