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Free V1 FINPACK AI BUSINESS FINANCE DOCTOR
Free business financial health check and action plan.
Check your small business's profitability, cash flow, receivables, debt and financial controls without uploading accounts or understanding complicated ratios. FinPack turns your answers into a clear score and practical 90-day action plan.
✓ No accounting export required · Summary figures only · Free to use
SAMPLE DATA — FOR DEMONSTRATION ONLY
F
Finance DoctorBusiness financial health report
56/100
OVERALL STATUSNeeds Attention
Profitability and debt are healthy. Cash flow, collections and resilience need the next action.
Estimated operating profitLKR 250,00010.0% net margin
SIX-PART ASSESSMENTFinancial health by category
Formula-based scoresProfitability80/100
HealthyCash Flow & Liquidity36/100
High attentionReceivables & Working Capital35/100
High attentionDebt & Commitments82/100
HealthyFinancial Resilience42/100
Needs attentionFinancial Management48/100
Needs attentionGross profitLKR 950,000Revenue less direct costs
Gross margin38.0%Healthy contribution
Cash runway0.4 monthsHigh attention
Receivables at riskLKR 420,00035% is 90+ days
!
RankedTOP FINANCIAL RISKSWhat needs attention
High
Receivables are taking too longLKR 420,000 is more than 90 days overdue.
High
Cash runway is very limitedAvailable cash covers only 0.4 months.
Medium
Customer concentration is highLargest customer represents 46% of revenue.
01
DAYS 1–30Stabilise collections
02
DAYS 31–60Improve cash visibility
03
DAYS 61–90Strengthen controls
Deterministic scoreTransparent formulas, never random
Six health areasProfit, cash, debt, customers and control
90-day planPrioritised actions based on your answers
Private by designCalculations run in your browser
How it works
From simple answers to a clear financial plan.
Finance Doctor answers three questions: how healthy is the business, what needs attention, and what should you do next?
FinPack analyses financial health
Formulas evaluate profitability, liquidity, debt, receivables, costs and resilience.
Get your financial health score
See your overall score and six category scores with clear status labels.
Get your action plan
Understand the risks, prioritise next steps and build a practical 90-day plan.
A complete financial check-up
Understand your business. Identify the risks. Know what to do next.
Designed for owners, freelancers, startups, retailers, online sellers, restaurants, guesthouses, consultants and finance professionals advising small businesses.
Financial Health Score
A weighted 100-point score with a transparent category breakdown.
Profit & Cash Analysis
Gross margin, operating profit, cash runway and break-even visibility.
Risk Detection
Receivables, debt, customer concentration, stock and payment stress.
90-Day Improvement Plan
Three practical phases built around the issues your answers reveal.
What-If Scenarios
Test sales, costs, margins and collections using deterministic calculations.
Relevant FinPack Tools
Helpful product recommendations matched to the needs in your report.
✓
Clear and responsible
Your figures stay focused on the assessment.
Your financial information is used only to generate your FinPack Finance Doctor assessment. If you choose “Save & Continue Later”, the draft is stored locally on your device.
FinPack Finance Doctor provides financial analysis and decision-support information. It does not constitute an audit, tax opinion, investment advice or regulated professional advice.
Free business financial health check
See the financial story behind your business.
Complete the guided check-up in minutes and leave with a score, priorities and a 90-day plan.