Ash Ryben Consulting · Franchisee Financial Assessment

Your complete financial picture, in one sitting.

This is the intake for your assessment. It builds a personal financial statement and a full debt schedule across every business and property you hold. Takes 25–40 minutes with your statements in front of you. Your draft saves on this device as you go.

Your personal financial statement updates as you type
Assets$0
Liabilities$0
Net worth$0
Monthly income$0
Monthly debt payments$0
Debt-to-income—
What's counted

Assets = cash & investments + retirement + property values + vehicles + business cash, receivables and equipment. Liabilities = every balance in the debt schedule (personal and business). Business goodwill isn't counted here; the assessment values each unit separately. Debt-to-income uses personal debt payments ÷ gross monthly income, the way a lender does.

01Profile

Who you are and what you operate.

02Household income & living expenses

Monthly, after-tax figures as they actually land in your personal accounts. Owner draws means what you personally take out of the businesses, not what the businesses earn.

Monthly income: $0 · Living expenses: $0

03Credit

Your best current numbers. Credit Karma, Experian app or a lender's recent pull all work. Utilization = card balances ÷ card limits.

04Cash, investments & retirement

Liquid means you could have it as cash within 30 days. Retirement accounts are listed separately because a 401(k) can sometimes be borrowed against, and an IRA cannot.

Liquid accounts

Retirement accounts

Vehicles & other personal assets

Liquid: $0 · Retirement: $0

05Businesses

One block per entity, including any non-franchise business. Net profit = what's left after all expenses and your own payroll, before taxes (your CPA's bottom line on the P&L). Use the last 12 months.

Businesses: 0 · Combined revenue: $0

06Real estate

Every property with your name or your entity on title: home, rentals, land, commercial. Value = what it would sell for today (Zillow/Redfin is fine).

Properties: 0 · Total value: $0 · Mortgages: $0

07Debt schedule

Every obligation, personal and business: mortgages, autos, cards, personal loans, SBA, bank, equipment, lines of credit, merchant cash advances, franchisor notes, family loans, tax debt. For a cash advance, put the total remaining payback as the balance and the monthly total of your daily/weekly draws as the payment. Don't know the APR? Leave it blank and describe the terms in notes.

Personal debts — in your name: mortgages, autos, cards, personal and student loans, tax, family

Business debts — owed by a business: SBA, bank, equipment, lines of credit, cash advances, franchisor notes

Name your businesses in section 05 first; each business debt is assigned to one of them.

Personal: $0 · Business: $0 · Total balance: $0 · Monthly payments: $0

08Goals & the roadblock

In your own words. This is the part that turns a spreadsheet into a plan.

09Review & submit

Draft saves automatically on this device.