Business & Tax7 min read
Business Solvency Assessment: Can Your Business Survive a Downturn? (2026)
Test your business solvency with key ratios — can you survive 6 months of 30% revenue decline without running out of cash?
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Test your business solvency with key ratios — can you survive 6 months of 30% revenue decline without running out of cash?
Read guideThe current ratio is the first metric lenders and investors check. Learn what it measures, how to interpret it, and what destroys it.
Read guideWorking capital is the dollar cushion between assets and liabilities. Learn to calculate it, interpret it, and manage it.
Read guideProactive liquidity risk management — early warning systems, cash reserves, and contingency plans that prevent cash crises.
Read guideHow to build and maintain cash reserves — the business equivalent of an emergency fund that prevents cash crises.
Read guideThe quick ratio is the strictest liquidity test — can you pay every bill with cash and receivables alone, without selling a single item?
Read guideGross margin shows what remains after direct costs — the metric that separates pricing power from commodity businesses.
Read guidePricing is the highest-leverage improvement in any business — a 1% price increase can add more profit than a 1% cost reduction.
Read guideReduce cost of goods sold through supplier negotiation, process improvement, and waste reduction — without sacrificing product quality.
Read guideAnalyze gross margin by product to identify which products make money and which are dragging down profitability.
Read guideThe three types of business margins — gross, operating, and net — and what each one tells you about your business health.
Read guideThe true cost of a new hire includes recruitment, training, lost productivity, and management time — most businesses underestimate by 50%.
Read guideEvery week of faster ramp-up saves thousands in lost productivity — calculate the ROI of investing in onboarding.
Read guideVoluntary and involuntary turnover have very different costs and causes — understanding the split changes your retention strategy.
Read guideTurnover costs vary dramatically by role — a senior engineer costs 4x more to replace than a junior employee. Budget accordingly.
Read guideRetention investment delivers 3–5x ROI compared to replacement costs — the business case for investing in keeping your best people.
Read guideBreak-even analysis turns fixed costs and contribution margin into the one revenue figure a business must clear before it earns anything at all.
Read guideThe break-even formula is one division. The work is deciding which costs are fixed, which scale with each sale, and which are a mix of both.
Read guideHow long a startup takes to break even is set by three numbers: fixed cost base, contribution margin, and monthly revenue growth rate.
Read guideCost-plus pricing sets price as unit cost times a markup. It is fast, defensible, and structurally blind to what a customer would have paid.
Read guideMarkup is measured against cost, margin against price. The same dollar of profit produces two different percentages, and mixing them up loses real money.
Read guideMarkup is gross profit divided by cost. Getting it right means building the correct cost base first, then converting a target margin into the markup that delivers it.
Read guidePricing for profit reverses the usual order: start from the gross profit the business must produce, divide by capacity, and let that dictate the price.
Read guideA desk reference for converting between markup and margin in both directions, plus the spreadsheet formulas that keep a price list honest.
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