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Score nine lines, total the two halves, and read your Level off the weaker one.

The working companion to The Commercial Health Scorecard: Where Does Your Business Stand?. That page explains what each line measures and where the thresholds come from. This is where you score your own business and keep the result.

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Mark each of the nine lines 0, 1, or 2 in the last column, add up each half in the totals table, and read your Level off the bands at the bottom. It takes about five minutes if you know your numbers and about twenty if you have to go find them.

The scoring rules here match the Scorecard page line for line. If you ever find a difference between the two, the Scorecard page governs and this worksheet gets corrected.

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Part 1. Commercial Growth Health

Five lines, each scored 0, 1, or 2, for a half-score out of 10.

Line 1. Commercial revenue mix
What you measure The share of revenue that comes from direct-relationship commercial work: an owner, property manager, facility director, or general contractor (GC) called you directly, including owner-controlled insurance work where you were the insured's choice.
Score 0 Under 25% of revenue is direct commercial.
Score 1 25% to 50%. Exactly 25% and exactly 50% both score 1.
Score 2 Over 50%. The mix has flipped, which is where $50M+ operators live. They average 57% commercial in the same RIA report (page 14).
Your score

Notes on the table above:

Line 2. Concentration, your single largest source
What you measure Your single largest carrier, program, or referral relationship as a share of total revenue, counted at the parent company. The score bands below are RocketLevel working thresholds.
Score 0 Over 25%. Danger zone.
Score 1 Above 10% and up to 25%. Exactly 25% scores 1.
Score 2 10% or less. Exactly 10% scores 2, because that is where the Concentration Risk Playbook draws its healthy zone and the two pages agree.
Your score
Line 3. Contracted, recurring commercial revenue (MSAs)
What you measure The number of active Master Service Agreements or standing commercial contracts that send you work without a fresh sale each time.
Score 0 None.
Score 1 One or two.
Score 2 Three or more active agreements.
Your score
Line 4. Commercial sales ownership
What you measure Whether one named person owns the commercial pipeline, and how much of their week it gets. This is a judgment line, so take the harder read.
Score 0 No one owns commercial.
Score 1 Someone owns it but splits their time with residential.
Score 2 A dedicated owner with a weekly cadence and follow-up discipline.
Your score
Line 5. Exit and enterprise readiness
What you measure How an acquirer would read your book: whether the revenue is diversified and would keep producing without you in every conversation. Judgment line, so take the harder read.
Score 0 A residential or program-dependent book only.
Score 1 Some commercial.
Score 2 A diversified, owner-independent commercial book.
Your score

Part 2. Getting-Paid Health

Four lines, each scored 0, 1, or 2, for a half-score out of 8.

Line 6. Average days to get paid, invoice to cash
What you measure The average number of days between sending an invoice and the cash landing in your account, across all work.
Score 0 Over 75 days.
Score 1 45 to 75 days. Exactly 45 and exactly 75 both score 1.
Score 2 Under 45 days.
Your score