How much pressure is your business debt really putting on you?
Answer 10 quick questions about your loans, cash advances, taxes and cash flow. This business debt stress test gives you an instant score and shows where the pressure is coming from. It’s free and confidential.
Your debt stress score
0 / 30
StableYour biggest pressure points
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This business debt stress test is an educational tool, not legal, tax or financial advice. Your score is based only on your answers. Valcor is not a law firm; when legal counsel is needed, we refer clients to independent, qualified attorneys. © 2026 Valcor. All rights reserved. This tool may not be copied or reproduced without permission.
What the business debt stress test measures
The test looks at the warning signs Valcor consultants see most often in businesses that are struggling with debt. It covers how many advances and loans you carry, how much of your revenue goes to payments, and whether you are falling behind. It also asks about taxes, creditor action, personal guarantees and the direction of your sales.
Each answer scores from 0 to 3 points, for a total out of 30. A few answers, such as being sued or falling behind on payroll taxes, are serious enough on their own that the test moves you to at least the Strained range.
What your score means
A higher score does not mean it is too late. In fact, businesses that ask for help early usually have more options. Valcor has helped small and mid-sized businesses work out terms with their creditors since 1994. Learn more about business restructuring, debt mediation and lending, or read the U.S. Small Business Administration’s guide to managing your business finances.
Debt stress test FAQ
Is the business debt stress test really free?
Yes. The test and your on-screen score are free, and you don’t need to give your email to see them. Your email is only needed if you want the full report.
Who sees my answers?
If you only take the test, your answers stay in your browser. If you ask for the full report, your answers and contact details go to Valcor so we can send it, and a consultant may follow up. We keep client information confidential.
What should I do with a high score?
Start by gathering your loan and cash advance agreements, recent bank statements and any letters from creditors. Then book a free, confidential review with a Valcor consultant to talk through your options.