See BizVital make a real decision
Four businesses, four kinds of input — one board that diagnoses, debates and decides.
Every figure and quote below is illustrative.
Lily's Kombucha
Revenue up 30%, yet the bank balance keeps shrinking.
The worry
Lily's craft kombucha brand grew 30% this year — but cash keeps getting tighter and she can't see why.
One upload
She drops in a P&L and balance sheet. In about three seconds, with zero AI tokens, BizVital returns a 5-dimension health score.
The board convenes
A CFO, Head of Risk and CMO read the same verified figures — and disagree.
A verdict she can act on
The board synthesises one set of owner-assigned actions, ranked and defensible.
Reconvene a month later
She uploads the new month. The board grades its own past advice — and the squeeze is easing.
Lily's Kombucha
P&L + balance sheet
Liquidity
41
Profitability
55
Efficiency
60
Growth
82
Leverage
52
The board debates
Margaret Chen
CFO
"Receivables ballooned to 74 days. The growth is real, but it's tied up in unpaid invoices — that's the cash squeeze."
Sam Okafor
Head of Risk
"Don't launch the new SKU this quarter. Adding inventory now, with liquidity at 41, is how growing companies run out of cash."
Diego Alvarez
CMO
"Demand isn't the problem — keep ad spend flat. Fixing collections beats chasing orders we can't bankroll."
The board's verdict
- ✓Tighten receivables to 30 daysCFO
- ✓Pause the new SKU launch for one quarterRisk
- ✓Hold ad spend flat — fix collections firstCMO
Reconvene: One month on: liquidity 41 → 63, overall health 58 → 69. The board's first call worked.
Brew & Co café
A 4.2★ rating slipping — and not a spreadsheet in sight.
No numbers, just noise
Brew & Co's owner has 200 Google reviews and a pile of support tickets — but no financial statements to analyse.
Feed the board plain text
Any text works. The reviews and tickets go straight in — no gauge this time, because there are no financials to score.
The board reads between the lines
A CMO, CX/Product lead and Head of Risk surface the patterns a busy owner can't see across 200 comments.
A verdict from words alone
The same structured, owner-assigned board verdict — built entirely from unstructured feedback.
No financials? The board still convenes — any text becomes a structured C-suite review.
The board debates
Diego Alvarez
CMO
"One complaint repeats in 38 reviews: slow service at peak hours. That's your rating killer, not the coffee."
Priya Nair
CX / Product
"Refund tickets tripled the week after the new bean blend. The recipe change, not the staff, drove the spike."
Sam Okafor
Head of Risk
"Unanswered 1-star reviews are climbing. Each silent one compounds — reputation risk is rising fast."
The board's verdict
- ✓Add staff during peak hoursCX
- ✓A/B-test reverting the bean blendProduct
- ✓Reply to every 1-star review within 24 hoursCMO
Rashid's Auto Service
One busy workshop, and a RM200k question.
A fork in the road
Rashid's single workshop is at capacity. Should he open a second location — RM200k fit-out, RM18k a month in lease?
Ask the board directly
He feeds his current financials and frames the decision as a question. The board debates the future, not just the past.
Three views on one choice
The CFO models payback, Risk weighs the lease commitment, the CMO reads demand — and they split on timing.
A conditional go
Not a flat yes or no — a verdict with the conditions that make it safe.
The board debates
Margaret Chen
CFO
"Payback is roughly 19 months — workable. But the fit-out drains the cash buffer below RM30k. Timing is everything here."
Sam Okafor
Head of Risk
"A 3-year lease at RM18k a month is fixed cost that doesn't care if the second shop fills slowly. Don't commit until cash can absorb a bad quarter."
Diego Alvarez
CMO
"The waitlist proves demand. De-risk it: pre-sell service packages at the new site before signing the lease."
The board's verdict
- ✓Proceed — but defer two quarters until the cash buffer clears RM80kCFO/Risk
- ✓Pre-sell service packages to confirm demand before signingCMO
Northstar Agency
One fractional finance team, a dozen client businesses to keep healthy.
The scale problem
Northstar advises a dozen small businesses. Running a deep board for each, by hand, every month, doesn't scale — and the weak clients get missed.
One board, every client
They build the board once and apply it across the portfolio — the org switcher and saved templates run the same defensible review for each client.
Set it on schedule
Monthly scheduled runs re-sync each client's connector data first. A webhook and the daily digest alert the team the moment a client's health slips.
Lender-ready packs
Every verdict exports to a board pack — handed straight to the client, or to their bank for a financing conversation.
Seri Maju Retail
Flagged by a scheduled run
Liquidity
38
Profitability
50
Efficiency
58
Growth
61
Leverage
55
The board debates
Aisha Rahman
Lead Advisor / CFO
"Across the portfolio, one client's liquidity dropped 18 points this month. The schedule flagged it before they even called us."
Sam Okafor
Head of Risk
"Two clients carry the same supplier-concentration risk. Standardize the board so we catch it everywhere, not just where we happen to look."
Liam Tan
Engagement Lead
"We can't deep-dive twelve clients every week. Let the score triage — spend partner hours on amber and red, automate the green."
The board's verdict
- ✓Schedule a monthly board for every retained clientEngagement
- ✓Escalate any client whose health drops below 50CFO
- ✓Standardize one risk screen across the whole portfolioRisk
Reconvene: The scheduled board caught Seri Maju's slide in week one — escalated and fixed before it hit the quarterly review.
SME owners
See where you stand in seconds, then convene the board on your weakest number — like Lily.
Fractional CFOs & bookkeepers
Run the same defensible board across every client, on a schedule, with a lender-ready pack.
Non-finance founders
No spreadsheets needed — feed the board reviews, tickets or a plan, like Brew & Co.
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