Do you have a dedicated business bank account separate from your personal account?

No, I use my personal account for everything

I opened a business account, but I still mix funds

Yes, I use a business bank account for most expenses

Yes, and I’ve fully separated my personal and business finances

If your business faced an unexpected significant expense tomorrow, how would you handle it?

I'd panic — I don't have a plan

I'd scramble to cover it with personal savings or credit card

I'd use a business credit card or pull from my operating account and hope for the best

I have a safety net and action plan in place for emergencies

How is your business legally structured?

I’m not sure—I just started it

Sole Proprietorship using my Social Security Number (SSN)

Sole Proprietorship with an Employer Identification Number (EIN)

LLC or Corporation (S-Corp, C-Corp), but I’m not sure how it helps

LLC or Corporation, and I’ve structured it to fully protect my assets

Do you know what a Personal Guarantee (PG) is?

No, I’ve never heard of it

I’ve heard of it but don’t fully understand how it works

Yes, I know what it is and think it applies to me

Yes, I understand PGs and actively avoid them when possible

If a major growth opportunity came up, how would you fund it?

I have no idea—I'd have to pass

I’d scramble—pull from personal savings, investments, credit cards, or borrow money from friend or family

I’d try to reinvest revenue, but may not have enough or it will take too long

I have a plan—I have funding tools, like a line of credit, in place for opportunities like this

If you secured business funding tomorrow, do you have a plan to ensure it’s used strategically and not just added debt?

No, I’d probably use it to cover whatever is most urgent

I have some ideas, but nothing clearly planned out

Yes, I have a few priorities in mind that align with my business goals

Absolutely—I have a detailed plan to use funding as a strategic tool for growth and stability

Do you know if your business credit tools are tied to your personal credit? (like credit cards or loans)

I didn’t know that was possible

I think so, but I’m not sure

Yes—and I’m trying to fix that

No— my business credit is separate from my personal credit

How do you plan for slower months or revenue gaps in your business?

I don’t —it’s always stressful I just hope for the best

I save when I can, but it’s inconsistent

I rely on credit tools, like credit cards (personal and/or business) or vendor accounts

I have a financial cushion or funding tools ready to handle any gaps

How often do you feel in control of your business finances?

Rarely—it feels chaotic and overwhelming

Sometimes, but I wish it felt more predictable

Often, but I still worry about emergencies

Almost always—I have systems and plans in place

When was the last time you thought about your business’s long-term financial health?

Never—I’m focused on surviving day-to-day.

Sometimes, but I feel overwhelmed or unsure where to start

Recently, but I’m not confident in my plan

Regularly—I have a clear strategy and system in place

Have you taken steps to make your business look credible and trustworthy to lenders adnd credit issuers?

No, I didn’t know that was something I needed to do.

I’ve taken a few steps, like opening a business bank account, but I’m not sure what else is needed

I’ve started working on building my business credit and credibility but haven’t completed the process

Yes, I’ve aligned my business with lender expectations and started building a separate business credit score

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