Profitable on paper. Tight on cash.

A five-pillar diagnostic for service businesses, built on the published frameworks of the ATO, the IRS, ASIC/ACCC, CPA Australia, the SBA (SCORE), AICPA & CIMA, the JPMorgan Chase Institute and the Corporate Finance Institute. Every threshold is cited.

FREE - UNDER 5 MIN

Days median cash buffer. JPMorgan Chase Institute

Pillars scored, equally weighted

100

Point scorecard, source-backed

Step 01 · Business model & market

How does the money reach you?

Two things change which metrics matter: whether you invoice on terms or take payment at the point of sale, and where you operate. Currency, benchmarks and statutory thresholds follow your selection.

Billing model

🧾

B2B: invoiced & professional services

Consulting, agencies, trades on account, legal, accounting. You bill on terms and wait.

💳

B2C: consumer-facing services

Salons, clinics, gyms, med spas, home services. Customers pay at the point of sale.

Your market

🇦🇺 Australia AUD

🇺🇸 United States USD

Business type

Step 02 · Financial snapshot

Use the last complete month. If revenue is seasonal, use a trailing three-month average.

Tap any i for additional information.

Industry context

Payments & consumer collections

Step 03 · Process checklist

How the cash actually gets pulled in

Most service-business cash problems live in process, not on the balance sheet. Six honest answers here move the score more than any single ratio.

Step 04 · Your scorecard

Where should we send your scorecard?

Your five-pillar score is calculated and waiting. Add your details to reveal it. We'll email you a copy so you can compare next quarter.

· Free · No obligation · Instant results ·

Get your Cash Flow Health Scorecard

Takes 30 seconds. The scorecard appears the moment you submit.

First name

Last name

Business name

Email address

Phone number

Also text me updates about my scorecard. Msg & data rates may apply. Reply STOP anytime.

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Step 05 · Cash flow health scorecard

OPIFER Cash Flow Health Scorecard · Confidential

Overall cash flow health

00 /100

The five pillars

Underlying ratios

Recommended next actions

next step

Turn the score into a plan. Free, no obligation.

In 40 minutes we'll work through your two weakest pillars with your real numbers and leave you with a sequenced 90-day cash plan. No pressure, no pitch.

Traceability

Methodology & sources

Every formula and every red/amber/green threshold used above is listed here with its exact source. Nothing in this tool is an unverified assumption.