Financial health · Plain English
Healthy
Watch
Urgent
Your numbers,
finally make sense.
Plain-English finance for business owners who’d rather be running their company than reading spreadsheets.
Run your free MOT →
No card required · 2 minutes
Financial Health · Explained simply
Cash Flow · Decoded without jargon
Warning Signs · Spotted early
What this blog is
Finance without the confusion.
Most business owners know their numbers exist. Profit figures, balance sheets, cash flow statements — they’re all there, somewhere. The problem isn’t the data. It’s that nobody explains what it means.
This blog exists to fix that. Every article is written for people who run businesses, not people who audit them. No jargon. No assumptions. No lectures about ratios you’ll never remember.
Just clear explanations of what’s happening in your finances, why it matters, and what you should do about it.
The tool behind the blog
What is FinanceMOT?
FinanceMOT is a financial health diagnostic tool built for SME owners and accountants. You upload your financial data — or enter it manually — and within minutes you get a Financial Health Score from 0 to 100, RAG-flagged KPI signals, and a plain-English summary of what’s working, what isn’t, and what to fix first.
Think of it as a virtual CFO. Not the kind that charges £500 an hour and talks in acronyms — the kind that looks at your numbers and tells you exactly what you need to know.
FinanceMOT is built by Circular Vector Ltd and is free to try at financemot.com.
How the score works
One number. Four pillars.
The Financial Health Score is built from four areas of your business — each weighted to reflect how much it matters to overall financial health.
01
Liquidity
35%
Can you pay your bills? Do you have enough cash to cover short-term obligations?
02
Profitability
30%
Are you actually making money after all your costs? Is your margin sustainable?
03
Efficiency
20%
How well are you using your assets? Are you collecting money fast enough?
04
Solvency
15%
Are you carrying too much debt? Could you survive a difficult quarter?
Who we write for
Written for two kinds of people.
Every article is aimed at one of two audiences. Both are busy. Neither has time for waffle.
SME Owners
You run a business. You don’t run a finance department.
You know something’s not quite right with the numbers, but you’re not sure what. You get reports from your accountant but don’t know what to ask. This blog is for you — every article is written to make sense without a finance degree.
Accountants & Advisors
You understand the numbers. Your clients don’t.
You’re looking for better ways to communicate financial health to clients — and to add value beyond compliance work. FinanceMOT and this blog are built with you in mind too. Client-ready insights, not textbook theory.
Ready to see your score?
Takes 2 minutes. No card required. Get your Financial Health Score and find out exactly where your business stands.
Free to try · financemot.com