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The SMB Cash Cycle Scorecard

Seven dimensions decide how fast the work you finished last month becomes money in your account. Score your shop on each — honestly, nobody else is reading this — and find the one that’s bleeding the most.

Quote turnaround timeHow long a customer waits between asking and receiving.
Follow-up cadenceWhat happens to a quote after you send it.
Customer memoryWhether last time’s price is retrievable this time.
Quote-to-invoice handoffThe gap between winning the work and billing for it.
DSO (days sales outstanding)How long your money sits on someone else’s balance sheet.
Customer payment frictionHow hard it is for a customer to hand you money.
Pipeline visibilityWhether you know what’s open without opening anything.

Score each dimension above to see your Cash Cycle Index. Your answers stay on your device — we record only which band you landed in (e.g. “Emerging”), never your individual answers.

Want the worked example and the 30-day checklist?

The full guide adds what a widget can’t: the five practices behind the seven dimensions, Acme Fabrication’s Q1 → Q2 lift ($57K recovered in one quarter), and the 30-day checklist for lifting one dimension at a time.

Email only. No card. Or read the whole guide on the web — it’s not gated either.

The math that justifies the read

82%
of small business failures trace back to cash flow problems (SBA)
27.5 days
average wait to get paid past invoice issue (Sage)
$84K
average SMB receivables tied up in unpaid invoices (QuickBooks)
5+ hrs/wk
owners spend chasing payment (Atradius)

What’s inside

Ten pages, no fluff. Designed for owner-operators who want a system, not a sermon.

The cost of a leaky cash cycle

Anchored in real numbers: where the 27.5 days actually comes from, and how a $500K shop loses $110K/yr to operations alone.

5 RevOps practices

Quote in <24h · 7/14/30 follow-up · per-customer memory · same-day invoicing · one-click payment.

The 7-dimension scorecard

Self-assess against the Friction → Emerging → Best-in-class ladder. Average your score for your Cash Cycle Index.

30-day implementation checklist

Pick one dimension, lift it one level, re-score next quarter. The discipline that compounds.

Worked example

Acme Fabrication (6 employees, $500K revenue). Q1 → Q2 scorecard lift. $57K in cash flow recovered.

Buyer&rsquo;s questions

Three questions to ask before you adopt any RevOps tool — including whether you should adopt Setell.

Now put a dollar figure on it

The scorecard tells you which dimension is weakest. The other two diagnostics tell you what it’s costing — and exactly how much of your money is sitting in quotes nobody has answered.

See all three diagnosticsAudit your quote pipeline