Cash-flow resilience25 pts
Monthly surplus after costs and EMIs, months of cash in hand, how fast customers pay, and seasonal swings.
When was your business's last financial health checkup?
Understand your business cash flow, profitability, debt burden, working-capital requirements and financial risks through a structured Business Financial Health Report.
Free preliminary score
About 10 minutes
For proprietors, partnerships, LLPs and companies
Monthly operating cash flowIllustrative sample
0out of 100
Start Your 15-Day Free Trial
KGFin777 promotion codeUse code KGFin777
Explore your business financial health, understand financial risks and see how Business FHR can help you make informed decisions.
No card or payment needed. Nothing is charged when the trial ends, and there is no automatic subscription.
During the 15 days you get
- Your free preliminary score (always free, trial or not)
- The detailed Business FHR PDF report, without paying
- Bank statement analysis: upload PDF or CSV statements for an evidence-based score, dashboard and tracked action plan
- Update your figures and regenerate the report as often as you need (up to 5 reports a day)
Not included: the professional review with a KG Finvest advisor. One trial per business account. The trial starts when you redeem the code, after verifying your email.
Six areas, scored out of 100
Each area has fixed, published formulas. Anything you can't answer is marked "not assessed" and lowers data completeness. It is never treated as a good sign.
Profitability20 pts
Net and operating margins, year-on-year revenue growth and rising costs. Trading businesses are measured against thinner-margin benchmarks.
Debt-servicing capacity20 pts
Whether operating cash covers your repayments, debt relative to turnover, overdues and OD/CC usage.
Working-capital health15 pts
Receivables, inventory and payables, your cash conversion cycle, and any gap your cash and limits don't cover.
Revenue stability10 pts
Dependence on your largest customer or a single supplier, and how long the business has been running.
Risk and documentation10 pts
GST and ITR filing, financial statements, insurance, continuity planning and outstanding dues.
From your numbers to a plan
You see your score before we recommend anything. No documents are needed for the free score.
Tell us about the business
Business details and a contact email. We send a one-time code to confirm it's you.
Share your figures
Cash flow, profit, loans, working capital and risk. Skip anything you don't know.
See your free score
An instant score out of 100, a category breakdown, key ratios and red flags.
Go deeper if useful
Upload bank statements for an evidence-based review, business dashboard and tracked action plan, or have a KG Finvest advisor review your figures with you.
What the report looks like
The detailed report runs to about seven pages. It covers cash flow, profitability, debt, working capital, data completeness and a prioritised action plan.
Illustrative sample — fictional business
Cash-flow analysis
Average month, ₹
Illustrative sample — fictional business
Observations
Written from the calculated figures only
Monthly surplus after EMIs of ₹1,50,000, a 15% margin on receipts.
Operating cash covers about 1.1 months of outflows. A 3-month buffer is a prudent target.
An estimated working-capital gap of ₹3,00,000 is not covered by cash or the undrawn OD limit.
Next 30 days: list every loan with outstanding amount, EMI, rate and tenure.
Start free, pay only for depth
Online payment is not open yet. GST treatment will be confirmed before it opens, and the amount you pay will be shown at checkout before you confirm.
Preliminary score
FreeAlways free, with or without a trial
- Score out of 100 with six-category breakdown
- Key ratios and red flags
- Short rule-based summary on screen
Detailed Business FHR report
₹2,499GST treatment to be confirmed
- Branded PDF report, about seven pages
- Cash-flow, debt and working-capital analysis
- Prioritised recommendations and a 30-60-90 day plan
- Funding-readiness observations
Professional Business Financial Review
₹5,999GST treatment to be confirmed
- Everything in the detailed report
- 45-minute review with a KG Finvest advisor
- Review of documents you upload
- Next steps on loans, insurance and cash parking
| What you get | Free scoreFree | 15-day trialFree with code KGFin777 | Detailed report₹2,499 one-time | Professional review₹5,999 one-time |
|---|---|---|---|---|
| Score, category breakdown, ratios and flags | Yes | Yes | Yes | Yes |
| Detailed PDF report with 30-60-90 day plan | No | Yes, while the trial lasts | Yes, yours to keep | Yes, yours to keep |
| Bank statement analysis, dashboard and tracked action plan | No | Yes, up to 5 reviews a day | 1 review included | 2 reviews included |
| Update figures and regenerate the report | Score only | Yes, up to 5 reports a day | Figures are locked after purchase | Figures are locked after purchase |
| 45-minute review with a KG Finvest advisor | No | No | No | Yes |
| After it ends | Stays free | Score stays free. Trial reports can no longer be downloaded. Nothing is charged. | No expiry | No expiry |
The score is an indicative, rule-based assessment of figures you provide. It is not a credit rating, CIBIL/CMR score, statutory audit or loan approval. It does not guarantee eligibility, sanction, interest rates or savings. Ongoing periodic monitoring beyond the reviews included needs a monthly plan that is not available yet. There is no subscription today, and KG Finvest will never start a recurring charge without your explicit agreement.