Small Business Health Check — Mathews County EDA

1Financials

2Revenue

3Cash

4Growth

5Risk

6Results

Section 1 of 5

Profit & Margins

These numbers tell us whether your business model is fundamentally working.

Industry

Employees (incl. yourself)

Monthly Revenue (average over last 3 months)

Monthly Cost of Goods Sold (COGS) materials, inventory, direct labor

Monthly Operating Expenses rent, utilities, insurance, payroll, etc.

Section 2 of 5

Revenue Trend

Growth trajectory matters as much as current performance. Estimates are fine.

2 Years Ago

Last Year

This Year (projected)

Have you raised prices in the last 12 months?

Yes — I've adjusted prices intentionally No — prices have stayed the same I've actually reduced prices or run more discounts

Section 3 of 5

Cash Position

Cash flow problems are the #1 reason healthy businesses fail. Let's check yours.

Current Cash on Hand (checking + savings available for the business)

Monthly Burn Rate (total monthly expenses if revenue stopped today)

What percentage of your revenue comes from your top 3 customers?

If you serve mostly walk-in customers with no single dominant client, enter a low number like 10–20%.

Section 4 of 5

Growth Readiness

Can your business grow, or is growth blocked by structure or capacity?

If you stepped away for 30 days, what would happen?

The business would continue running normally It would partially function but some things would slip It would essentially stop — I am the business

Monthly Revenue (pre-filled from Section 1)

We'll use this to calculate how much you can afford to pay a new hire.

What % of revenue goes to labor? (industry average: 20–35%)

Hours per week you'd need from a new hire

Section 5 of 5

Challenge & Goal

Almost there. Understanding what's blocking you and where you want to go helps us give you the most useful guidance.

What's the biggest thing holding your business back right now?

Finding and keeping customers Managing cash flow Hiring or retaining staff Accessing capital or financing Time — I'm stretched too thin I'm not sure — that's part of why I'm here

What's your primary goal for the next 12 months?

Pick the one that matters most right now.

Anything you want to add? (optional)

A note on data: When you submit, your industry, business size, health scores, biggest challenge, and primary goal are anonymously shared with the Mathews County EDA to help us understand the collective health of local businesses. Your specific financial figures are never stored or transmitted.

Your Results

Business Health Summary

Assessment

Recommended Next Steps

Ready to talk through what you found?

The Mathews County EDA offers free, confidential consultations for local business owners. No pitch — just a real conversation.

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