Financial Health IQ · 3 minutes
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Revenue is not the same as financial health. FlowFi IQ tells you the difference.
Most owners know when something feels off — cash gets tight, margins shrink, collections slow, profits don't match revenue. The hard part is naming where the real problem is, what's causing it, and what to fix first.
FlowFi IQ scores your financial reality across cash visibility, receivables and payables discipline, margin pressure, and decision-readiness — then names the one financial gap to close first. Operator-direct. No academic frameworks. No generic AI guesses.
- Financial Health Score scored on your inputs, benchmarked to firms your size
- Top financial bottleneck named in plain language — cash, margin, receivables, or discipline
- 90-day priority fix list ranked by dollar impact
- $1,000 expert credit toward a FlowFi finance engagement
- Optional low-cost financial deep dive with a vetted FlowFi expert
In one paragraph
FlowFi IQ is a free 3-minute financial health diagnostic for SMB owners. It scores your real financial reality across cash visibility, receivables and payables discipline, margin pressure, and decision-readiness — on your inputs, benchmarked to firms your size. You get a Financial Health Report on the screen the moment you finish, a 90-day priority fix list, and a $1,000 credit toward a vetted FlowFi finance expert. Not bookkeeping. Not accounting software. A diagnosis you can act on.
What a real financial health check covers
The 7-step financial checkup, on your data
Most financial "checkups" are personal finance quizzes. The FlowFi IQ scores the seven dimensions that decide whether an SMB is financially sound — and names the one costing you the most right now.
Step 01
Cash visibility
Do you know your 13-week cash position without asking your bookkeeper?
Step 02
Receivables discipline
DSO trend, late-account concentration, and the cost of slow collections.
Step 03
Payables discipline
DPO posture and early-pay leakage — money left on the table every month.
Step 04
Gross margin
Direction and variance by product, project, or customer — where margin is leaking.
Step 05
Pricing discipline
Are quotes priced from cost-plus or from gut? Discount frequency and dollar drag.
Step 06
Forecast accuracy
How close your last-quarter forecast came to actuals — and what that says about decision-readiness.
Step 07
Founder dependency
What financial decisions break if the founder is out for two weeks.
FlowFi IQ scores each step on your inputs, benchmarks to firms your size, and names the one step costing you the most right now.
Free to Start
Instant Financial Health Report
$1,000 Expert Credit
Toward your FlowFi engagement
Vetted FlowFi Expert
Matched to your specific gap
Why most financial advice misses the point
Bookkeepers record. Accountants file. FlowFi IQ diagnoses.
Operational problems eventually become financial problems. Weak workflows, bad forecasting, and missing visibility hit cash flow and margin long before they show up in the year-end statements.
Bookkeeping, accounting, generic AI
- Records what already happened — last month, last quarter, last year.
- Treats symptoms (late filings, messy ledgers) instead of causes (cash discipline, margin leak).
- No view of operational drivers behind the numbers.
- Generic AI tells you what financial best practice is — never what your business should fix first.
FlowFi IQ
- Scores your cash, margin, receivables, and decision-readiness on your inputs.
- Names the one financial gap costing you the most right now.
- Connects operational inefficiencies to the financial pressure they're causing.
- Hands you a $1,000 credit and a vetted FlowFi finance expert who has fixed the same problem.
If you're making financial decisions without a clear read on cash, margin, and discipline — you're not running the business, you're reacting to it. Get the diagnosis first.
How It Works
Four steps from question to expert match.
Take the 3-minute diagnostic
Eight focused questions on cash visibility, receivables, payables, margin, and decision-readiness.
Get your Financial Health Score
Scored on your inputs, benchmarked to firms your size. Plain language. No accounting jargon.
See your top financial bottleneck
One specific gap costing you the most right now — with a 90-day priority fix list.
Match with a FlowFi finance expert
Your $1,000 credit applies to the first engagement. Expert starts with your FlowFi IQ Report in hand.
Common questions
Operators who turned financial pressure into discipline.
Cash visibility and margin discipline don't come from another report. They come from fixing the operational drivers underneath.
Rebuilding Backlog, Accountability, and Profitability
A steel fabricator with a collapsing backlog and negative EBITDA rebuilt project accountability, change order discipline, and PM incentives. Backlog went from $45M to $185M.
Building a Business That Could Run Without the Owner
A family-owned petroleum distributor installed financial visibility, KPI reporting, and a leadership cadence. Days later the owner was hospitalized and the business kept growing.
Other free diagnostics
Bottleneck Scan
Pinpoints the single operational constraint costing you the most margin, time, or growth right now.
Start the Bottleneck Scan →AIQ Score
Scores your AI readiness across data, governance, integration, and team capability.
Get my AIQ Score →