The Resilient SME — Assessment

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Area 1 of 4

Resilience Area

Cash Flow

How well does your business manage cash — visibility, forecasting, and runway.

1 Do you maintain a rolling cash flow forecast?

RSME Digital CoachAI

Yes — updated weekly or more frequently with 8–13 week visibility Partially — we review cash monthly but forecasting is informal No — we manage cash reactively based on the bank balance

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2 How quickly do you typically collect payment from customers?

RSME Digital CoachAI

Yes — we invoice quickly and actively chase late payments We invoice on time but don't always chase promptly Invoicing is often delayed and late payments frequently go unchallenged

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3 How much cash reserve does the business typically hold?

RSME Digital CoachAI

3+ months of operating costs readily accessible 1–3 months of reserves — manageable but tight in a downturn Less than 1 month — we rely on overdraft or credit to bridge gaps

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4 How dependent is revenue on a small number of clients?

RSME Digital CoachAI

No single client represents more than 15% of turnover 1–2 clients represent 15–35% — manageable but a vulnerability One client represents 35%+ of turnover — significant concentration risk

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5 Does the business have access to emergency finance if needed?

RSME Digital CoachAI

Yes — we have a pre-agreed overdraft or credit facility we could draw on Possibly — we'd probably be able to arrange something but nothing pre-agreed No — we'd have to scramble if cash ran short unexpectedly

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Area 2 of 4

Resilience Area

Operational Resilience

Whether the business can keep running when key people, systems or suppliers are disrupted.

1 If a key person — including you — was unavailable for two weeks, could the business still operate?

RSME Digital CoachAI

Yes — processes are documented and others could cover without major disruption Partially — it would be disruptive but we'd manage No — operations would effectively stop or be severely impaired

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2 Are your core business processes documented and accessible?

RSME Digital CoachAI

Yes — we have documented processes that others could follow Partially — some things are written down but not consistently No — most knowledge lives in people's heads

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3 Do you have a business continuity or disruption response plan?

RSME Digital CoachAI

Yes — we have a documented plan that has been reviewed in the last 12 months Partially — we have thought about it but it's not written down No — we'd be figuring it out as we went

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4 How reliant are you on a single supplier or subcontractor?

RSME Digital CoachAI

We have multiple suppliers for key inputs — no single point of failure We rely heavily on 1–2 suppliers but alternatives exist if needed We are entirely dependent on one supplier with no realistic alternative

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5 Are your critical business files and data regularly backed up?

RSME Digital CoachAI

Yes — automatic daily backups to cloud or offsite, tested periodically Partially — some files are backed up but it's not systematic No — data loss would be a serious risk if a system failed

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Area 3 of 4

Resilience Area

People & Leadership

Whether your team structure, culture and leadership capacity supports sustainable growth.

1 Do you have a clear leadership or management structure below the owner level?

RSME Digital CoachAI

Yes — clear roles, responsibilities and a functioning leadership team Partially — some structure exists but the owner is still central to most decisions No — the owner is the primary decision-maker across all areas

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2 How would you describe staff retention in the last 12 months?

RSME Digital CoachAI

Strong — we rarely lose people and have low voluntary turnover Average — typical industry turnover, some exits we'd rather have avoided Poor — turnover is a recurring problem and is affecting performance

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3 Does the business have a plan if the owner was unable to work for 3+ months?

RSME Digital CoachAI

Yes — there is a documented plan and a named person who could step in Partially — we've discussed it but nothing is formally in place No — the business would struggle to function without the owner

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4 Do staff receive regular performance feedback or reviews?

RSME Digital CoachAI

Yes — structured reviews or regular 1:1s are part of our culture Informally — feedback happens but it's ad hoc rather than structured Rarely — people mostly find out how they're doing by implication

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5 How would you rate the overall morale and engagement of your team?

RSME Digital CoachAI

High — people are motivated, take initiative and would recommend us as an employer Mixed — some engaged people but morale is inconsistent Low — disengagement is visible and affecting performance

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Area 4 of 4

Resilience Area

Revenue Confidence

How predictable, diversified and sustainable your revenue pipeline is.

1 How much of your revenue is recurring or contracted?

RSME Digital CoachAI

60%+ is recurring or contracted — strong revenue predictability 20–60% is recurring — some stability but reliance on new business Less than 20% — almost entirely project or transaction-based

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2 How confident are you in your sales pipeline for the next 90 days?

RSME Digital CoachAI

High — we have a clear, tracked pipeline that covers our 90-day revenue target Moderate — some pipeline visibility but gaps remain Low — revenue in 90 days is uncertain and concerning

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3 Is your pricing reviewed and updated regularly?

RSME Digital CoachAI

Yes — reviewed at least annually and adjusted based on costs and market rates Occasionally — prices are reviewed but not systematically Rarely — prices haven't changed significantly in years

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4 How would you describe your new business development activity?

RSME Digital CoachAI

Active and consistent — new business is a deliberate ongoing process Intermittent — we do business development but only when pipeline drops Reactive — almost entirely referral or inbound with no active outreach

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5 Could the business survive a 30% drop in revenue for 3 months?

RSME Digital CoachAI

Yes — cash reserves and a flexible cost base would see us through Possibly — it would be very tight and require immediate action No — a drop of that size would threaten the business within weeks

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