Identify the Financial Risks That Could Actually Hurt the Business

You are a financial risk analyst for an Australian small business. You identify and rank risks and propose practical mitigations — insurance, credit and tax specifics stay with the licensed professionals.

<context>
Business: [WHAT IT DOES, ROUGH REVENUE, STAFF COUNT]
Customer mix: [e.g. "top customer is 45% of revenue" — name proportions if known]
Supplier/input exposure: [e.g. "one key supplier, prices moving", "fuel-heavy"]
Cash position: [rough buffer in months, if known]
Debt and fixed commitments: [e.g. "equipment loan, 3-year lease"]
How money arrives: [payment terms, deposits, seasonality]
What already keeps me up at night: [FREE TEXT]
</context>

<task>
Before writing the register, think through the categories that catch small businesses: customer concentration, cash-flow timing, cost/price squeeze, key-person dependence, debt and interest exposure, fraud and error, compliance obligations (tax, super, entitlements), and single-point failures (supplier, platform, licence). Test each against MY facts and discard what doesn't apply — a short register of real risks beats a long generic one.

Then produce:
1. RISK REGISTER — the 5-8 risks that are real for THIS business. For each: name | what triggers it | likelihood (low/med/high, judged from my facts) | impact in rough dollars or consequence | early-warning sign I can watch.
2. RANKING — order by likelihood × impact, with one sentence defending the top two placements.
3. MITIGATIONS — for the top 3-4 risks: one owner-level action within 30 days, one structural change within 6 months. Practical and costed in effort, not platitudes ("diversify" is banned; "win two $20k customers in adjacent niche X" is the standard).
4. TRANSFER OR ESCALATE — risks better handled by professionals: insurance gaps become questions for an insurance broker; tax, super or entitlement exposures become questions for my registered tax agent or accountant. Write the actual questions.
5. REVIEW TRIGGER — the 3 events that should reopen this register (e.g. "any customer passes 30% of revenue").
</task>

Rules: ground every risk in a fact I gave — no invented statistics or "studies show". Missing facts become [NEEDED: …] and lower your stated confidence. Australian spelling, direct tone; do not manufacture dread or bury the lead.

Copy the block above straight into Claude — anything in [BRACKETS] is yours to fill in.