Find out where your business is strong, where you're leaving money on the table, and what to work on next.
The Blue Collar Banker Business Score is a free educational self-check for contractors and trades business owners. Answer 12 quick questions about how your business actually runs day to day — every question is optional, and you can skip any of them. Your answers are scored right here in your browser; nothing is transmitted or stored.
Your score runs from 0 to 100, built from five categories worth 20 points each. It measures the business practices and conditions you report — not independently verified financial data — and it ends with the three plays that matter most for your business right now.
Whether the business is profitable, and whether you check what completed jobs actually earn.
How long your cash could cover essential expenses, and whether you track money coming in and bills going out.
Whether your estimates carry materials, labor, equipment, and overhead — and whether you compare estimates to actual costs.
Whether loan and lease payments are comfortable, and whether you know your total monthly debt number. No debt is treated as not applicable — never a weakness.
How far ahead you can see confirmed work, whether you keep a simple cash plan, and whether you run the numbers before buying equipment or hiring.
Revenue size never affects your score. Skipped and “Not sure” answers earn no points — skipping can only lower a score, never raise it. A category without enough answers shows “Not enough information” instead of a misleading zero, and a score built on partial answers is flagged as such.
The five categories and their equal weights are a teaching framework, not a scientifically validated model of business success. This is not a credit score, a lending decision, or a prediction — it's a coach's snapshot to show you where to look next. Your first question (annual revenue) is context only and never changes your score.
A one-page game plan you can save, print, and revisit: your score, all five categories, your three plays, a 30-day game plan with target dates, and your next checkup date — about 90 days out. Generated on your device. No account, no email required.
One practical business-money lesson every week. Built for contractors and the trades. No jargon. No sales pitch.
Optional — your score, plays, and PDF never require signing up. Your assessment answers are never sent anywhere.
Each of the five categories is worth up to 20 points, calculated from your answers to its questions: stronger habits earn a larger share of the points. “Not sure” and skipped answers earn no points. Two-question categories need both applicable questions answered, or they show “Not enough information” instead of a score; Ready to Grow can score from 2 of 3 answers and is flagged “Based on 2 of 3 questions” when it does. “No debt” answers are treated as not applicable — never a weakness and never a free perfect score. Your revenue range (Question 1) is context only and never affects your score. All scoring happens locally in your browser.