A Guide to Measuring Small Business Financial Health
Financial service and small business resource providers are well-positioned to identify and address the financial health challenges small businesses may face in financial management, planning, and accessing capital. By measuring a small business’s financial health, organizations can better understand how small businesses are doing and their unique financial health challenges.



Laura Cummings, Director, Financial Health Network

Small Business Financial Health

For a small business, financial health comes about when its daily systems help it build resilience and pursue opportunities.

  A small business is financially healthy when it:

Meets financial obligations

  Maintains sufficient cash reserves

  Maintains a comprehensive financial management system

Plans for significant business risks

  Plans for cash flow variability

  Has appropriate insurance

Has access to affordable, timely credit

  Has a sustainable debt load

  Has access to investment capital

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This report is made possible through the financial support of JPMorgan Chase & Co.