This is a preparation worksheet, not financial advice. It reflects your own answers back to you to help you think clearly and prepare for a conversation with your own licensed financial planner — it does not score you, recommend a borrowing amount, or tell you whether to buy. Complete and review it with your planner. Nothing you enter is saved or leaves your browser.

Smarter Business Buyer
Module 1 · Know yourself before the business

Risk Tolerance Reflection

Two dimensions decide how much financial risk fits you: how much your situation can absorb, and how much you're comfortable carrying. They are not the same — and the gap between them is the most important thing to discuss with your planner.

Part of the  Business Buying Profile  · Module 1 of the system
Dimension 1 · Financial capacity

How much risk can your situation absorb?

Capacity is about facts, not feelings: your wealth, income, obligations and time. Answer for your real situation.

Dimension 2 · Attitude to risk

How much risk are you comfortable carrying?

Willingness is about temperament — how you actually feel and behave when money is at risk. There are no right answers.

Your reflection

What your answers suggest — as a starting point.

These describe what you told us. They are not a score, a recommendation, or a verdict. They are the beginning of a conversation with your planner.

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Answer both sections to see your reflection.

Borrowing what-if

See how borrowing changes the picture.

Add finance to your budget and watch what it does to both the upside and the downside. You set every number; this does the arithmetic.

This is not borrowing advice, affordability advice, or credit assistance. It will never tell you how much to borrow or whether you can afford it. It only calculates the figures you enter. Decisions about borrowing belong with your lender, mortgage adviser, accountant and financial planner.
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