The Financial Health Scorecard diagnoses where your startup actually stands
The Financial Health Scorecard diagnoses where your startup actually stands — financially — across the same eight dimensions a CFO reviews on day one. Most founders track revenue, burn, and runway. Few track them together with the same rigor a Series A investor will demand at diligence. The result: founders walk into a fundraise believing they look one way, only to discover during diligence that their revenue efficiency, growth signal, or cash buffer scored worse than their peer benchmark. The Health Scorecard surfaces these gaps before an investor does, in under a minute, with input you already have in your accounting system. Use it quarterly, in tandem with the Fundraise Readiness Score, so your internal view of your financial health matches the lens investors will bring to your next round.
How the Financial Health Scorecard Works
Enter six inputs from your most recent monthly financials: monthly burn, cash in bank, monthly revenue, ARR or annualized revenue, team size, and funding stage. The scorecard runs each dimension through a stage-calibrated threshold function — pre-seed benchmarks differ from Series A benchmarks, which differ from Series C+ benchmarks — and aggregates the four weighted sub-scores into a single 0–100 composite. The four scored dimensions are: runway (25 pts, based on months of cash remaining at current burn), cash buffer (25 pts, based on the multiple of monthly burn covered), revenue per head (25 pts, calibrated to stage benchmarks), and growth signal (25 pts, based on annualized vs. monthly revenue). The output shows the composite score with a stage-labeled status — Exceptional, Strong, Moderate, At Risk, or Critical — plus a four-tile breakdown of sub-scores and CFO recommendations tailored to your stage. No spreadsheet required, no accounting software connection, no account creation.
Who Should Use the Health Scorecard
Pre-seed and seed-stage founders who have just closed their first round and want a baseline reading of where they stand. Series A and Series B operators running quarterly internal health checks between board meetings. Finance leads who need a quick second-opinion read on a number they are reporting upward. Founders preparing for a fundraise who want to know if their metrics will survive scrutiny before the first investor call. Acquisition teams evaluating a target where the top-line number is attractive but the underlying financial posture is questionable. The scorecard is most valuable as a recurring discipline — run it once a quarter, then again two months before starting any fundraise or major vendor negotiation. Pair the output with the Burn Rate Calculator to pressure-test your runway assumptions and the Cash Flow Forecaster to stress-test your 13-week cash trajectory. The scorecard is a snapshot, not a planning tool — for that, layer it with a forward-looking forecast.
What You Get in the Output
The output opens with a hero card displaying your 100-point score and a stage-labeled status — Exceptional (85+), Strong (70–84), Moderate (55–69), At Risk (40–54), or Critical (under 40). A four-tile breakdown shows each scored dimension on a 0–25 scale with green, amber, or red color-coding, plus a one-line detail showing your actual number against the stage benchmark (e.g., "18.4 months runway — healthy" or "$1,420 per head — below benchmark for Series A"). A CFO recommendations panel surfaces three to seven specific actions calibrated to your weakness pattern: tighten burn if cash buffer scores low, raise immediately if runway drops below 12 months, optimize pricing if revenue per head lags benchmark, demonstrate growth signal through pilot data if your ARR is below run-rate. The output is exportable as a PDF via email for your board materials or fundraising data room.
How to Get Started
Pull up your most recent monthly P&L and bank statement. Enter your burn, cash, revenue, ARR, headcount, and funding stage into the form. The scorecard appears immediately — composite score, four-dimension breakdown, and CFO recommendations. To save the output as a PDF for your board or data room, drop your email. No account creation, no payment, no commitment. Run the scorecard on a recurring schedule — once per quarter — and again two months before any fundraise so trends are visible to you before they are visible to investors. The first time you run it expect to spend about 5 minutes gathering inputs; subsequent runs take less than 60 seconds because burn, cash, and revenue will be current. For pre-revenue companies, set revenue to zero — the score shifts focus to runway and cash buffer where it should. Pair the scorecard with the Cash Flow Forecaster to layer a forward-looking 13-week projection onto this current-state snapshot.
The 5 Metrics on This Scorecard
Every startup financial health scorecard should measure the same five. Here are the thresholds we use, calibrated to 1,000+ seed and Series A startups.
| Metric | Healthy (green) | Watch (amber) | Risk (red) |
|---|---|---|---|
| Cash Runway | ≥ 18 months | 12 – 18 months | < 12 months |
| Burn Multiple | < 1.5x | 1.5x – 3x | > 3x |
| Gross Margin | ≥ 70% | 40% – 70% | < 40% |
| LTV : CAC | ≥ 3 : 1 | 1 : 1 – 3 : 1 | < 1 : 1 |
| Net Revenue Retention | ≥ 120% | 100% – 120% | < 100% |
Financial Health Scorecard
Score your startup across 8 financial dimensions
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