Business De-Risking Checklist

• Do you have six months of fixed costs in the bank
• Can you name every customer generating more than 10% of revenue
• Is every invoice being collected within terms
• Is your debt profile deliberate, not accidental
• Can you withstand a 30% revenue drop for two quarters

A single 'no' is a project for next month; three 'nos' is a strategic emergency.

• If your best operator vanished on Monday, how many weeks until the business visibly breaks
• Is every critical process documented
• Does more than one human know the password to every mission-critical system
• Are you paying market for your top 20% — and could you replace them in 90 days if forced

A business with single points of human failure is not a business — it's a lifestyle that happens to make money.

• Insurance cover reviewed in the last 12 months
• Terms of service, employment contracts, and IP assignments all current
• Data protection and privacy compliant
• No unresolved disputes
• No single client who could terminate your reputation with one angry post

Each line is boring — and each line has buried a business that ignored it for 'just another quarter'.