Customer concentration risk audit
See what happens to your revenue if your biggest client leaves.
ClientGuard reads your revenue by client and tells you how exposed you are: a 0–100 risk score, the share of revenue your largest clients hold, and what to do about it. Built for agencies, consultancies and service businesses.
- Free score in seconds from a CSV or Excel export
- Full audit with a 12-step plan: $39 once, no subscription
- Your file is processed in memory and never stored
Three steps, about a minute.
- 01
Export revenue by client
From QuickBooks, Xero or FreshBooks, run a sales-by-customer report for the last twelve months and save it as CSV or Excel.
How to export from QuickBooks - 02
Upload for a free score
We match your client and revenue columns, calculate each client's share and return a 0–100 risk score with your top three clients.
- 03
Get the full audit
For $39 you get your top 10 clients ranked, the HHI, a benchmark and a 12-step action plan based on your own numbers, by email.
See a sample
Why it matters
The thresholds buyers, lenders and auditors look at.
Concentration isn't only a cash-flow worry. It changes what your business is worth and how others judge it.
- 10%
- Public companies must disclose any single customer at or above this share of revenue (US GAAP ASC 280, IFRS 8).
- 15–20%
- The ceiling agency advisers commonly recommend for one client, and where buyers start a detailed review. Sources
- 25%+
- Where ClientGuard flags a client red: losing it would take a quarter of revenue with it.
Free tool
No export handy? Type in your top clients.
The concentration calculator gives you the same risk score, your top-3 share and the HHI from a few numbers. It runs in your browser and nothing is uploaded.
The $39 audit
Everything in the full report.
Risk score and level
0–100, from low to critical, with a plain-language benchmark.
Herfindahl-Hirschman Index
The concentration measure used in competition analysis, applied to your client list.
Top 10 clients ranked
Each with revenue, share and a red, amber or green flag.
12-step action plan
Priorities written for your numbers, from retainer terms to pipeline targets.
Delivered by email
Within a minute of uploading. Share it with a partner, accountant or advisor.
Pricing
Free check
$0
Score and top 3 clients
Full audit
$39
One-off, no subscription
Checkout by Gumroad. Full refund within 24 hours.
Questions
What format does my data need to be in?+
A CSV or Excel file with at least two columns: client name and revenue. Exports from QuickBooks, Xero, FreshBooks, Stripe or a spreadsheet you keep yourself all work. Use the last twelve months if you can.
Is my client data stored?+
No. The file is read in memory to calculate your score and is not saved. For the full audit, the report with your client names, revenue and shares is emailed to the address on your Gumroad purchase through our email provider, Resend, which keeps a copy for a limited time. We do not keep the file or the report.
What do I get in the $39 audit?+
Your 0-100 risk score, the Herfindahl-Hirschman Index, your top 10 clients ranked with red, amber or green flags, a benchmark comparison and a 12-step action plan specific to your numbers, delivered by email within a minute of uploading.
Why a one-off price instead of a subscription?+
The answer matters at specific moments, for example before a pricing review, a loan application or a sale, not every month. Pay when you need it.
How do I get the full audit after buying?+
Your Gumroad receipt includes a license key. Open the upload page, paste the key and add your CSV or Excel file; the report is emailed to the address you used at checkout within about a minute. The same key works when you re-run the audit later.
What's the refund policy?+
Full refund within 24 hours of purchase. Reply to your order email.