Contractor Financial Health Scorecard

Find out how financially stable your construction business really is - and identify the hidden gaps affecting cash flow, profit, job performance, and long-term growth.

Answer 10 quick questions to receive your Contractor Financial Health Score along with the biggest risks and opportunities impacting your business right now.

Q1: How confident are you that you know your real profit each month (after owner pay, taxes, job costs, overhead)?

Very confident — I review it monthly and trust the numbers

Somewhat confident — I look at reports but not consistently

Not confident — I often guess based on the bank balance

No idea — I’m guessing

Q2: How predictable is your cash flow month-to-month?

Very predictable — I always know what’s coming in & going out

Mostly predictable — surprises happen occasionally

Not predictable — some months feel chaotic

Totally unpredictable — I’m constantly reacting

Q3: How accurate and timely is your bookkeeping?

Updated monthly and fully reconciled

Generally updated but sometimes behind

Mostly catch-up work, inconsistent

Not maintained at all / only at tax time

Q4: How confident are you that your pricing and margins support growth AND owner pay?

Very confident — pricing is intentional and reviewed often

Somewhat confident — pricing feels right but not analyzed

Unsure — I don’t regularly review margins

Not confident — pricing is based on guesswork or competitors

Q5: How well do you track profit by job, project, or service?

Very well — we analyze each one and know profitability

Somewhat — we look occasionally

Rarely — only at the overall business level

Q6: Do you use any forecasting or budgeting to plan the next 6–12 months?

Yes — forecast built and reviewed regularly

Yes — but not actively used

Informal — rough idea in my head

No forecast — we operate month-to-month

Q7: How organized are your financial processes (AP/AR, invoicing, spending, payroll)?

Very organized — strong SOPs, consistent workflow

Somewhat organized — tools exist but not consistent

Poor — lots of manual work and chasing

Chaotic — everything is reactive

Q8: How prepared are you for taxes and consistent owner pay?

Very prepared — reserves + structured pay

Somewhat prepared — inconsistent

Not really — tax time surprises me

Not prepared — I take whatever I can

Q9: How often do you use reports to guide major decisions (hiring, pricing, equipment, growth)?

Regularly — at least monthly

Never — I go by gut/bank balance

Q10: How quickly can you identify a financial problem before it becomes a cash issue?

Very quickly — we monitor financial performance closely

Usually within a reasonable timeframe

Often after problems have already started

Typically only when cash flow becomes stressful