Answer 14 quick questions about cash, claims, margins and compliance. We give you a Cash Health score out of 100, plain-English findings and three priority actions for builders and trades.
5 minutes • No signup • Stays in your browser
Question 1 of 120% complete
How many weeks of fixed costs do you have in the bank?
Think wages, rent, vehicles, insurance and loan repayments — not just materials for the next job.
How long do customers usually take to pay?
From invoice date to cleared funds for progress claims and final invoices.
What share of invoices is overdue by 30 days or more?
Include progress claims waiting on builders, owners or head contractors.
How soon after a milestone do you send the progress claim?
Days between practical completion of a stage and the invoice going out.
How much retention is currently held against you?
Relative to a typical year’s turnover. Include head-contractor and owner retentions.
When do you pay suppliers and subbies compared with when customers pay you?
The gap between paying out and getting paid in is a common cash squeeze on sites.
What is your typical gross margin on jobs?
After direct labour, materials and subbies — before overheads and drawings.
Do you track profit and loss on each job?
Job costing that compares quote, costs and final claim for every project.
Are variations priced and signed before the work starts?
Scope changes, client extras and site instructions that sit outside the original quote.
How often do you lean on overdraft or credit cards to cover shortfalls?
Using credit to bridge payroll, materials or GST while waiting on claims.
Where do you stand with the ATO right now?
BAS lodged and paid on time, GST set aside, and any payment arrangements.
Are super and PAYG withheld paid on time?
Employee obligations that sit alongside BAS cash planning.
Do you keep a cash flow forecast?
A forward view of expected claims in and bills out over the coming weeks.
When were the bank accounts last reconciled?
Matching bank feeds and statements to your books so the cash figure is trustworthy.
