Financial Risk Assessment and Management

Every business has risks. Some are obvious—like slow-paying clients or rising costs. Others sneak up—like relying too much on one vendor, running low on cash, or not having a plan if something goes sideways.

That’s why we offer Financial Risk Assessment and Management. We help you spot risks early, figure out how serious they are, and build a plan to deal with them—so your business isn’t caught off guard.

It’s not about being paranoid. It’s about being ready.

What Is Financial Risk in a Small Business?

Financial risk is anything that can mess with your cash flow, profit, or long-term survival. Some of the most common risks we help clients spot:

• Cash flow shortages

• Overdependence on one big client

• High overhead with inconsistent sales

• Not saving for taxes or emergencies

• Pricing that doesn’t cover costs

• Debt that’s piling up

• No plan if a key employee leaves

Most of the time, people don’t see these risks until they hit hard. We help you get ahead of them.

What We Do

Here’s how we help you get a handle on risk:

• Review your financials to identify weak spots

• Analyze your cash flow for patterns and pressure points

• Review client or revenue concentration risks

• Look at debt and repayment terms

• Check vendor and payroll exposure

• Build “what if” scenarios (what if sales drop 20%? what if your top contractor quits?)

• Create a real-world risk plan based on your numbers

Then we talk through what’s urgent, what’s manageable, and what you should plan for next.

Why This Matters

You don’t need a disaster to be in trouble. Sometimes just one slow quarter, one lost client, or one missed tax payment is enough to create a real mess.

We help you:

• Stay ready instead of reacting

• Sleep better knowing you’ve got a plan

• Make smarter decisions when things are good

• Avoid problems that could’ve been prevented

One Seattle client was relying on one big contract for 70% of their revenue. We helped them see the risk and start building up other income streams before that contract dried up. They stayed afloat—and grew.

Great for Small and Growing Businesses

We work with:

• Solopreneurs and freelancers

• Service businesses

• Retailers and e-commerce shops

• Contractors and trades

• Startups and nonprofits

Even if your business is still small, now’s the time to build good habits. Big problems are way easier to fix when they’re still small.

Tools We Use

We look at:

• QuickBooks or Xero data

• POS and sales systems

• Expense and payroll reports

• Your customer list and vendor relationships

• Budgets and forecasts if you’ve got them

We’ll help you spot patterns in the numbers—and what to do next.

Local Support. Nationwide Help

We’re based in Seattle, but we help businesses in Portland, Memphis, and across the U.S. Remote meetings make it easy to stay connected, and we follow up with clear, useful action steps.

Let’s Spot the Risks Before They Hit

You don’t need to panic—you just need to be prepared.

We’ll help you spot red flags, understand your financial weak points, and build a plan that keeps your business safer and stronger.

Flat pricing. Real talk. Smart planning.