Spring Financial Maturity Index
Helping Business Owners Make Better Financial Decisions Answer the 12 questions based on how your business operates today. Your score reflects the maturity of your current financial management practices; not the quality or potential of your business.
First name
*
Business name
*
Years in operation
*
Please Select
Less than 1 year
1–3 years
4–10 years
10+ years
Industry / sector
Email
*
example@example.com
Phone
Please enter a valid phone number.
Format: (000) 000-0000.
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Yes, I would like to receive financial insights, business tips, and occasional updates from Spring Management Academy Inc. I understand that I can unsubscribe at any time. Contact: 73 Paperbark Ave, Vaughan, ON L6A 0Y2 · springma.com.
I understand that I’m entered in the Spring Business Owner Draw. Two winners will be selected on August 24, 2026 and contacted by email and phone; each winner will be asked a simple skill-testing question before the prize is awarded. No purchase necessary.
*
I understand that I’m entered in the Spring Business Owner Draw. Two winners will be selected on August 24, 2026 and contacted by email and phone; each winner will be asked a simple skill-testing question before the prize is awarded. No purchase necessary.
Your Financial Maturity Assessment
How often do you review your cash flow position (money in vs. money out)?
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Weekly or more often
Monthly
Only when a problem comes up
Rarely or never
If a key client paid 30 days late, would you know today how much it would affect your ability to cover expenses?
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Yes — my cash flow forecast shows it
Roughly — I could estimate
Not really — I'd check my balance and hope
No — not until bills were due
How often do you receive and review proper financial reports (P&L, balance sheet)?
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Monthly, reviewed in detail
Every few months
Only at year-end for taxes
I don't receive formal reports
If asked today what your net profit was last month, how confident is your answer?
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Very — I can pull the exact figure
Fairly — I know the approximate number
Not very — I'd guess from my bank balance
I couldn't say
Do you have a written budget or financial forecast for this year?
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Yes — and I update it regularly
Yes — created once, rarely revisited
Only rough numbers in my head
No
How far ahead can you confidently predict your revenue and expenses?
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6–12 months
About a quarter (3 months)
Roughly next month
I take it as it comes
Do you know which products, services, or clients are most (and least) profitable?
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Yes — backed by data
Mostly — a good sense, not run the numbers
I have a hunch
No idea
Have you calculated your break-even point (the sales needed to cover all costs)?
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Yes — and I track against it
I calculated it once
I have a rough idea
No, I haven't
Who currently manages your company's finances day to day?
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Dedicated finance person / CFO / accountant
A bookkeeper handling records
Me, part-time, alongside everything
No one consistently
How separated are your business and personal finances?
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Fully — separate accounts, clear owner's pay
Mostly separate, occasional overlap
Somewhat mixed
Not separated
When you make a major decision (hiring, pricing, expansion), how much do you rely on financial data?
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Always — I model the numbers first
Usually — I check key figures
Sometimes — mostly instinct
Rarely — I go on instinct
How confident are you that your pricing is set to generate healthy profit (not just cover costs)?
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Very — pricing is based on margin analysis
Fairly — reviewed, not recently
Not very — priced on what competitors charge
I'm not sure my pricing is profitable
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