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Risk Tool

Business Risk Assessment Checklist

Mark each risk as N/A (doesn't apply), Exposed (applies, not addressed), or Mitigated (handled). See the risks lenders will flag before you apply.

Revenue & Cash Flow

  • Heavy revenue seasonality (significant slow periods)
    high
  • Single customer accounts for more than 25% of revenue
    high
  • Customers frequently pay late (DSO > 60 days)
    medium
  • Revenue has declined or been flat for 12+ months
    high

Credit & Debt

  • Multiple existing loan products or merchant cash advances (stacking)
    high
  • Outstanding tax liens or unresolved judgments
    high
  • Personal credit score below 650
    high
  • Late payments on existing debt in the last 12 months
    medium

Operational

  • Business heavily dependent on one key person (owner or employee)
    medium
  • Aged or unreliable equipment critical to operations
    medium
  • No documented systems or processes (SOPs)
    low
  • Supply chain relies on single supplier for critical materials
    medium

Market & Competitive

  • Industry facing structural disruption (technology, regulation, consumer shift)
    medium
  • Significant new competition has entered the market
    medium
  • Pricing model hasn't been reviewed in 12+ months
    low

Compliance & Legal

  • Business licenses or professional certifications are expired or at risk
    high
  • Payroll taxes or quarterly estimates have been missed or underpaid
    high
  • Pending litigation or unresolved legal disputes
    medium
  • No formal contracts with major customers or vendors
    low

Risk Profile

Not Yet Assessed

Mark each risk as N/A (doesn't apply), Exposed (applies, not mitigated), or Mitigated (applies, handled).

0
Exposed
0
Mitigated
0
High Severity

By Section

Revenue & Cash Flow
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Credit & Debt
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Operational
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Market & Competitive
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Compliance & Legal
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Frequently Asked Questions

Every risk has a financing solution

Seasonal? There's a line of credit for that. Rebuilding credit? Revenue-based options exist. Whatever your situation, Pezzula can show you what's realistic.