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Survival Assessment Tips for Small Businesses

The information in this article is based on an interview with Shani Duncan Falconer, Senior Corporate Manager, Group SME Resource Center at JMMB Group on the Straight off the BATT live show.  

If you’re looking to scale your business to the next level, you must continuously assess the performance of your business. According to Falconer, reviewing your progress will help you to assess your current market which in turn assists with the acquisition of new customers and finding new business opportunities. One way to assess your business is to have key performance indicators (KPIs) and periodically adjust them, as necessary.  

You also should ask yourself relevant questions to figure out the direction you would like your business to go. Ask yourself, where should my business be within the next 3 to 5 years? Then map out a plan which illustrates the steps to get there. KPIs will come in handy to assess how well your plans are working when you put them into action.  

Here are five KPIs You Should Consider Assessing Your Business: 

  1. Revenue Growth: You can use this KPI to track your sales and assess how much income your business has made over a specific period.  
  1. Revenue Concentration: Revenue concentration entails ensuring that your revenue is coming from multiple customers.  You’ll want to have as many customers as you can service because if you only have one customer and they stop engaging your business, then there is a high possibility that your business will fail. 
  1. Revenue per client per service: This KPI is to ensure that your business is receiving as much revenue from each client as possible.  
  1. Profitability Over a Period of Time: The profitability KPI illustrates your income minus your expenses. Therefore, you’ll be able to see the money that flows in and out of the business.  
  1. Working Capital: Working capital is your current assets minus your current liabilities. You’ll want to ensure that your assets are higher than your liabilities. This KPI can also be calculated as a ratio (for e.g. current assets/current liabilities). An ideal ratio would be 1:2 which indicates that your business has two times the current assets than current liabilities. 

Want to learn more about survival assessment tips for small businesses? Check out our video below:

This article is based on a discussion with Shani Duncan Falconer, Senior Corporate Manager, Group SME Resource Center on the Straight off the BATT Live Series from the Bankers Association of Trinidad and Tobago. The show aims to help you understand financial literacy and education. Join our mailing list, here.  

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