This is your starting point. Every question maps to a section of the bBOK program you'll build. By the time you complete the program, this score will look different — and that difference is the proof of what you built.
For Hub Partners & CDFIs: This assessment captures a numeric baseline per participant, per domain. The delta between this score and the CapScore™ exit score is the documented readiness movement you report to your funders — your measurable outcome metric.
10
Domains
100
Max Score
~12
Minutes
4
Baseline Tiers
Domain 1 of 10
0 / 100
Domain 1 of 10Business Model Clarity
10 pts possible
Can this business clearly explain what it does, who it serves, and how it makes money?
In the program you will build: Section 1 (Foundation & Identity) + Section 4 (Business Model)
Can you describe your business in two sentences that a stranger would immediately understand?
2Yes, clearly and consistently
1Somewhat — depends on who I'm talking to
0Not yet — still figuring out how to explain it
Do you have a defined pricing structure for every product or service you offer?
2Yes — every offering has a documented price
1Some do, some are still informal or negotiated
0Not yet formalized
Do you know your gross margin — how much you keep after the cost of delivering your product or service?
2Yes — I know this number
1Approximately — I have a rough sense
0I haven't calculated this yet
Domain 2 of 10Market Validation
10 pts possible
Has this business demonstrated that real customers want what it sells?
In the program you will build: Section 3 (Market Analysis) + Section 9 (Traction & Validation)
Have you made sales or generated revenue from paying customers in the last 12 months?
2Yes — consistent revenue
1Some — early or sporadic sales
0Not yet — pre-revenue
Can you describe your target customer in specific demographic and behavioral terms?
2Yes — clearly defined with data or direct experience
1Generally — broad strokes but not deeply defined
0Not yet defined
Do you have customer testimonials, case studies, or documented outcomes from your work?
2Yes — documented and available
1Informal — verbal feedback but not documented
0Not yet
Domain 3 of 10Financial Readiness
10 pts possible
Does this business have the financial documentation that lenders, CDFIs, and grant committees require?
In the program you will build: Section 5 (Financial Projections & True Cost of Business)
Do you have business bank statements for the last 3–6 months?
2Yes — dedicated business account, statements available
1Yes but personal and business are mixed
0No separate business account yet
Do you have a Profit & Loss statement or income/expense summary for the last 12 months?
2Yes — formal P&L available
1Informal — I track income and expenses but no formal statement
0Not yet
Do you know your monthly break-even — how much revenue you need to cover all expenses including your own compensation?
2Yes — I know this number
1Approximately
0I haven't calculated this yet
Domain 4 of 10Management, People & Organizational Capacity
10 pts possible
Does this business have the leadership, team structure, and HR framework needed to execute on a funded plan?
In the program you will build: Section 7 (Team, Operations & Process Inventory) — HR and people planning
Note: Domains 4 and 5 are intentionally linked. People and processes are two sides of the same infrastructure challenge.
Can you clearly describe your own role and the roles of anyone else on your team — including what they are accountable for?
2Yes — defined roles, clear accountability
1Mostly — some roles are informal or overlapping
0It's primarily me doing everything with no defined structure
Do you have a people plan — even a basic one — that maps your current and future staffing needs to your projected revenue and program deliverables?
2Yes — documented, even if simple
1In my head — I know what I need but haven't written it down
0Not yet thought through at this level
If you received significant funding tomorrow, do you have the human capacity to execute the plan — without burning out or missing deliverables?
2Yes — we have capacity to absorb growth
1Possibly — it would be a stretch
0Honestly, no — we are at or beyond capacity right now
Do you have a plan for what happens to operations if a key person — including you — is unavailable for an extended period?
2Yes — documented or clearly thought through
1Partially — some things are covered, others aren't
0Not yet — the business depends heavily on one person
Domain 5 of 10Operational Infrastructure & Process Mapping
10 pts possible
Does this business have the documented processes and operational tools needed to deliver consistently, scale sustainably, and reduce founder dependency?
In the program you will build: Section 7 (Team, Operations & Process Inventory) — process mapping and operational gap analysis
This domain goes deeper than having software or a business license. It asks whether your business has documented how it actually runs — so that someone else could step in, so that you can identify where things break down, and so that funders can trust you'll deliver what you promise.
Have you mapped your core business processes — the repeatable sequences of steps your business follows to deliver its product or service?
2Yes — core processes are documented (even simply)
1Some are mapped, most exist only in my head or in practice
0Not yet — operations run informally
Do you know which of your operational processes are bottlenecks — the places where things slow down, break down, or depend entirely on you?
2Yes — I can name them and I'm actively working on them
1I have a general sense but haven't formally identified them
0Not yet analyzed at this level
Have you identified the specific tools, systems, or technology your business needs to operate each core process efficiently — and do you have them in place?
2Yes — tools identified and in use for each process
1Some tools in place, others still informal or missing
0Not yet matched tools to processes
Do your operational processes connect directly to your people plan — meaning, does each process have a clear owner and does your staffing reflect what the work actually requires?
2Yes — processes and people are aligned
1Partially — some alignment, some gaps
0Not yet — operations and staffing decisions are made separately
Domain 6 of 10Go-to-Market Strategy & Customer Journey
10 pts possible
Does this business have a clear, documented path from stranger to paying customer — and does that path connect to how operations and people are organized?
In the program you will build: Section 6 (Go-to-Market Strategy)
Have you mapped your customer journey — the full path a potential customer takes from first hearing about you to becoming a paying, returning customer?
2Yes — mapped and documented, even simply
1I know it intuitively but haven't written it out
0Not yet — I haven't thought through the full sequence
At each stage of the customer journey, do you know who on your team owns that touchpoint and what operational process supports it?
2Yes — journey, people, and processes are connected
1Some stages are clear, others are informal or unassigned
0Not yet — these haven't been connected
Do you have defined customer acquisition channels — the specific ways you find and attract new customers — and do you know which ones are working?
2Yes — 2 or more documented channels with measurable results
1One channel, informally defined, results not tracked
0Not yet defined
Can you describe your sales process — what happens consistently and repeatably from the moment someone expresses interest to the moment they pay you?
2Yes — defined, repeatable, and documented
1Informal — I know what I do but it varies and isn't written down
0Not yet defined
Domain 7 of 10Risk & Compliance
10 pts possible
Is this business operating legally, managing financial risk, and building the advisory relationships and systems that protect it as it grows?
In the program you will build: Section 10 (Appendix & Decision Log) — risk identification and mitigation
Are all required licenses, permits, and registrations current — and do you have a calendar or system to track renewal deadlines and recurring compliance filings?
2Yes — current and tracked with a renewal system
1Current but tracked informally or not at all
0Not sure what's required or not fully in place
Beyond separating business and personal finances, do you actively manage cash flow — tracking when money comes in and goes out — and do you maintain any financial reserves?
2Yes — cash flow managed actively, some reserves in place
1I track income and expenses but cash flow planning is informal
0Not yet — finances are reactive rather than planned
Do you have documented risk strategies for your key operational, HR, and revenue risks — meaning, do you know what you would do if a key employee left, a major customer cancelled, or a critical process broke down?
2Yes — key risks identified with documented mitigation strategies
1I've thought about it but nothing is written down
0Not yet — risk planning hasn't been formalized
Do you have an advisory board, mentor, or trusted expert relationship that provides outside perspective on business decisions and helps reduce your blind spots?
2Yes — active advisory relationship(s) in place
1Informal — I have people I occasionally consult
0Not yet — operating without external advisory support
Domain 8 of 10Capital Strategy & Funding Readiness
10 pts possible
Does this business have a clear, realistic plan for pursuing the right capital from the right sources?
In the program you will build: Section 8 (Capital Strategy & Funding Readiness) + Plan E (Capital Strategy)
Do you know specifically how much capital you need and exactly what you would use it for — line by line?
2Yes — specific amount with detailed use of funds
1General sense — amount and use not yet specific
0Not yet defined
Do you know which type of capital is most appropriate for your business right now — loan, CDFI, grant, revenue-based financing, or investor equity?
2Yes — researched and clear on the right path
1Some awareness — still figuring it out
0I don't know — I'm not sure what the options are or which applies to me
Have you assessed your current eligibility for the capital sources you're pursuing — including credit, revenue requirements, time in business, and documentation requirements?
2Yes — assessed and know where I stand
1Partially — aware of some requirements, not all
0Not yet — I haven't checked eligibility before applying
Domain 9 of 10Sustainability & Growth
10 pts possible
Is this business positioned to operate, grow, and remain viable beyond the initial capital infusion?
In the program you will build: Section 4 (Business Model) + Section 5 (Financial Projections)
Do you have a plan for generating revenue that does not depend entirely on one customer, contract, or funding source?
2Yes — diversified or actively building diversification
1Aware of the risk — working on it but not yet resolved
0Currently dependent on one source
Do you have financial projections for the next 12 months — showing expected revenue, expenses, and the gap capital would fill?
2Yes — documented projections
1Mental model — not documented
0Not yet
Can you describe what this business will look like in 3 years — in concrete, specific terms including revenue, team size, and market position?
2Yes — clear vision with milestones
1General direction — not yet specific or written
0Still defining the vision
Domain 10 of 10Alignment to Funder & Lender Priorities
10 pts possible
Does this business understand what capital providers actually look for — and does it present itself accordingly?
In the program you will build: Section 8 (Capital Strategy) + Plan E (Capital Strategy Roadmap)
Do you understand the difference between what a grant committee, a CDFI lender, and an investor look for in an applicant?
2Yes — clear understanding of each and how they differ
1General awareness — not deeply understood
0I don't know — and that's okay. This is exactly what the program teaches.
Have you reviewed the eligibility criteria and evaluation priorities of any specific capital opportunity you are currently pursuing?
2Yes — reviewed and actively aligning my materials
1Reviewed eligibility but not the evaluation criteria
0Not yet — I haven't identified a specific opportunity yet
Does the way you describe your business — your story, your numbers, your opportunity — resonate with capital providers, not just customers?
2Yes — I've presented to capital providers and gotten substantive feedback
1I believe so — but I haven't tested it with capital providers specifically
0Not yet developed for a capital audience — this is a program goal
Your Capital Readiness Baseline Score
0 / 100
This is your "before" score. Every domain where you scored low is a section of the bBOK program where you will build something real — a documented process, a financial projection, a capital strategy, a customer journey map. By the time you complete the program, this score will look different. That difference is the proof of what you built.
Your score is not a judgment. It is a starting point. Every domain where you scored low is a section of the program where you will build something real. The program was designed for exactly where you are — and every participant who completes it scores differently at the end. That movement is the point.
"Capital flows to businesses that can prove they're built to sustain it."
FundReady exists to close the distance between where you are and where capital requires you to be. The bBOK program builds every piece — section by section, document by document — until your business is the strongest application in the room.
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