Cash Visibility Score
How much can your business actually afford?
Last reviewed: by Anna Stafford, Founder. Prepared with our qualified accountants.
A free check for owner-managed UK businesses turning over £1m to £15m. Eight questions, and a straight answer about how well your finance setup tells you what you can afford and how long your cash lasts.
Why this matters
Profitable businesses run out of cash. It happens when the numbers arrive too late to act on, when the year end accountant looks backwards and nobody is looking forwards, and when the bank balance is the only forecast anybody trusts.
The cost is rarely dramatic. It is the hire you put off for a quarter longer than you needed to. The supplier deal you did not take because you were not sure. The money you left in the business just in case. Those decisions get made on a feeling instead of a figure, and they are expensive either way.
This check tells you whether your finance setup is good enough to make those calls properly.
Can you afford the hire?
Not whether it feels affordable. Whether you can say so with a number behind it.
How long does the cash last?
If nothing else changed, how many months are covered, and how confident are you in that answer?
What can you take out?
What the business can pay you without leaving it short three months later.
What the check covers
Eight questions across the things that decide whether you can see your cash clearly. None of them ask for figures. They ask how your finance function behaves.
- How current your numbers are when you look at them
- Whether you have a forward view, or only a historic one
- How well you can predict what is coming in
- How much control you have over what goes out
- Whether your systems talk to each other or need rekeying
- What happens when a decision needs a number quickly
- Who can answer a cash question without waiting
- How far ahead you can see with any confidence
What you get
A score out of 100 on screen, the band it puts you in, and a short guide by email written for that band: what tends to go wrong at that level, what to fix first, and what the next step is worth.
| Band | What it means | What to do first |
|---|---|---|
| Cash Blind Spot | You are making decisions without the information to make them. | Get a reliable current picture before anything else. |
| Reactive Finance | The numbers exist, but they arrive after the moment has passed. | Speed, and a forward view rather than a historic one. |
| Growth Ready | You can see clearly enough to plan. | Use it to make bigger calls with confidence. |
| CFO Ready | Your reporting is solid. | The decisions it should now be driving: the hire, the borrowing, what you take out, and what the business is worth when you sell it. |
Take the check
Around three minutes. No financial information needed.
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What happens afterwards
You get your score on screen and your guide by email. Nobody calls you.
If you want to go further, you can book a Cash Visibility Review, a forty five minute conversation about what your score means and what would change it. That is a conversation, not a pitch, and you are welcome to take the score and do nothing with it.
Who this is for
Owner-managed UK businesses turning over £1m to £15m, in professional services, agencies, ecommerce and product, established software, healthcare and optical. It is written for the owner or managing director who signs the decisions, not for a finance team.
The finance function for owner-managed UK businesses
AI Accounts gives owners a finance function that answers the cash question before it becomes a problem. If you would rather talk than fill in a form, book a Cash Visibility Review.