SME Financial Health Check

Low Predictability

We often face unexpected cash shortages

Moderate Predictability

We can predict major flows but still have surprises

High Predictability

We have reliable forecasts and rarely face surprises

Less than 1 month

We operate with minimal cash reserves

1-3 months

We have moderate reserves for contingencies

3+ months

We maintain substantial cash reserves

Challenging

We often have late payments and collection issues

Adequate

Most payments come in on time with some exceptions

Excellent

We have efficient systems and rarely face late payments