You're an expert at what you do, but cash flow feels like a foreign language. After analyzing 1,000+ business operations, we've identified the exact patterns that separate financially thriving owners from those constantly struggling. This assessment reveals which side you're on — and what to do about it.
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Which group do you belong to? The difference isn't luck, connections, or market conditions. It's systems.
This isn't just another survey. It's a diagnostic tool that reveals hidden patterns successful business owners have learned to identify and fix.
Know exactly how vulnerable your business is on a 1–10 scale.
Discover patterns stopping you from fixing this.
See how you compare to the top 5% of business owners.
Specific steps prioritized by impact and ease.
Cash flow leaks you didn't know existed.
Actions you can take this week to improve your position.
"The 5 Critical Cash Flow Mistakes Most Business Owners Make"
Tools successful business owners use daily.
Know exactly what to do next with Anthony's framework.
Our analysis of 1,000+ business operations revealed the same five patterns destroying profitability. Which ones are you making?
The Problem
Most business owners wait until invoices are severely overdue before taking action. 72% wait at least 2 weeks past due. The average owner spends 10+ hours per month chasing late payments — each day of delay costs $125 in lost opportunity.
The Fix
Proactive payment systems: reminders 7 days before due dates, multi-channel escalation (email → text → call → formal notice), and multiple payment methods including credit card and electronic transfers.
Quick Win
Set up automated email reminders today for all outstanding invoices. This alone reduces payment delays by 30%.
The Problem
43% of business owners require deposits of less than 20%. 59% have no formal progress payment schedule. 68% report using personal funds to cover business expenses at least once per month.
The Fix
Require 30–50% deposits covering all materials plus initial labor. Create milestone-based progress payments. Never finance more than 10–20% of project value.
Quick Win
Review current projects and send milestone payment dates for remaining work. Frame it as a 'project update.'
The Problem
62% of business owners use personal credit cards for business expenses. 47% don't maintain separate accounts. 71% can't accurately calculate project profit margins.
The Fix
Dedicated business accounts, business credit card, separate tracking for project expenses / overhead / owner compensation, and consistent salary instead of random draws.
Quick Win
Set up automatic 10% transfers from all client payments into a separate 'tax and profit' account.
The Problem
The average project experiences 15–20% scope creep. Only 34% have a formal change order process. 82% report completing unpaid work monthly.
The Fix
Simple on-site change order template, minimum charge for all changes ($150+), payment at time of approval not project end, and team training to document scope changes as they occur.
Quick Win
Document all out-of-scope work on current projects. Send clients a 'courtesy work' summary and formalize future change orders.
The Problem
76% of business owners have no forecast beyond 30 days. 83% report cash 'surprises' quarterly. 91% have no system for managing seasonal fluctuations.
The Fix
Basic 90-day cash flow forecast: expected income (conservative timing), fixed expenses, variable costs, tax obligations. Update weekly. Build 30–60 day cash reserves.
Quick Win
Block 30 minutes today to list all expected payments and expenses for the next 30 days. This often reveals gaps before they become emergencies.
"Every business owner who's taken this assessment says the same thing: 'I wish I'd done this years ago.' The insights take 2 minutes but provide clarity that lasts a lifetime."
Anthony Mosby — Founder & Strategic Growth Architect, Enhanced Profits, LLC.
Honest answers. Instant results. Actionable plan. Business owners who implement these changes see a 15–21 day reduction in payment times and a 22% increase in profitability.
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