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SMB Bankruptcy Early Warning Checklist
10 signals that appear 60–90 days before a cash crisis — with a risk band and diagnostic question for each one.
What's inside
RED
Cash declining while revenue holds steady
RED
Cash runway under 90 days
ORANGE
One client = 35%+ of revenue
ORANGE
AR aging beyond 60 days
YELLOW
No weekly financial review process
10
warning signs
5 min
to complete
3
risk bands
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60–90
Days of early warning before a cash crisis becomes visible
82%
Of SMB failures are caused by cash flow problems, not bad products
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