Tuesday, October 27, 2026

Most SME marketing describes the product and targets a demographic — and both miss why people actually buy. Here's the Jobs To Be Done framework, and how to find the job your business is really being hired to do.

Ask most SME owners how much of their revenue comes from their single biggest customer, and you'll get a rough guess, usually followed by "but we're fine, they've been with us for years." That's precisely the sentence owners said about the customer who left.

US accounting standards (ASC 280-10-50-42) require public companies to separately disclose any customer that makes up 10% or more of revenue — not because 10% is inherently dangerous, but because regulators decided that's the threshold worth telling investors about. SME owners rarely have to disclose anything to anyone, which is exactly why customer concentration quietly becomes someone else's problem to notice — usually a bank, a buyer, or an owner's own cash flow, at the worst possible moment.

The Math Most Owners Never Actually Run

Run it once and it's uncomfortable in a way no survey needs to prove. A business with four roughly equal customers loses 25% of revenue the day one leaves. A business with one customer at 40% of revenue loses almost half overnight — not because the market turned, not because the team underperformed, but because one phone call happened. That's not pessimism. It's arithmetic every SME owner is running without realising it, every day they don't check the number.

Three Moves That Actually Reduce the Risk

  • Know the real number today. Calculate what percentage of the last twelve months' revenue your top one, three and five customers represent — not a guess, the actual figure.
  • Set a written cap for any single customer. Most advisers land somewhere between 15% and 25%, depending on how replaceable that revenue would be. Treat any new deal that would breach it as a conscious decision, not an accident.
  • If you're already over the cap, grow everyone else faster. The fix isn't firing the big customer — it's a genuine new-customer push, not just servicing the big account even better.

"I have grown my business 5x since working with Kevin. Everything Kevin told me to do was the complete opposite of what I had been doing. Working with Kevin has truly been a complete game changer."

— Richard, Chem Suppliers

Why Owners Who Know This Still Haven't Run the Number

The biggest customer is usually also the easiest revenue — the one that doesn't need chasing, the one where the relationship already exists. Deliberately spending time and money on smaller, harder customers to dilute dependence on the easy one feels like working against your own instincts. It is, which is exactly why most owners need someone outside the relationship to make the case for diversifying before the easy customer makes the decision for them.

Key Takeaways

  • Calculate your top one, three and five customers' real share of last year's revenue.
  • Set a written concentration cap, typically 15–25%, and treat breaches as a decision, not a drift.
  • Grow the rest of your customer base deliberately if you're already over the cap, rather than deepening the dependency.
  • Get an outside view — the easy customer is the hardest one to diversify away from on your own.

If you can't say your top customer's share of revenue to the nearest 5% right now, that's the first number we find together.

Sunday, September 06, 2026

A 2026 survey of 1,500 business owners found 32% have never taken a full week off. Kevin D'Ambros-Smith on why that's a systems problem, not dedication — and what the regret data reveals about coaching and support.

Sunday, September 06, 2026

Most SME growth plans have one forecast and no backup. Here's how to build a 90-day roadmap with base, stretch, and contraction scenarios — plus the trigger points that tell you when to act.

Friday, September 04, 2026

New 2026 data shows only 6% of SME owners feel ready to grow. Kevin D'Ambros-Smith breaks down why the barriers everyone blames are shared by every owner — and what actually separates the 6% who feel ready.

Friday, September 04, 2026

88% of business leaders are confident about growth in 2026 — the highest since 2019. But 74% worry about cybersecurity and only 12% plan on a rolling basis. Here's why confidence without a planning system is exposure, not readiness.

Friday, September 04, 2026

Landing the big account feels like the win that changes everything. Here's how to spot customer concentration risk before one client's decision decides your year.

Friday, September 04, 2026

"It felt useful" isn't a return on coaching. Here's how to actually measure whether a business coaching engagement is working — and what to do if it isn't.

Friday, September 04, 2026

Decision fatigue, not hours worked, is what wrecks an owner's judgment by Thursday. Here's how to batch routine decisions and protect the ones that actually need you.

Friday, September 04, 2026

The highest-probability sale in your business is sitting in your existing customer file. Here's how to systemise cross-sell and upsell instead of leaving it to chance.

Friday, September 04, 2026

Claims about your own business don't convert — customer proof does. Here's how to systemise the kind of proof that actually moves prospects, on any marketing budget.

Friday, September 04, 2026

A new 2026 survey of 1,305 owners found only 20% would trust AI alone with a major growth decision — most still want a human in the room. Here's what that, and what owners really call "winning," means for your business.

Friday, September 04, 2026

Most owners build strategy around growth targets, not whether the business would survive a buyer's due diligence. Here's why the exit-ready test is the sharpest strategy audit you're not running.

Friday, September 04, 2026

Hiring too early burns cash on capacity you don't need yet; hiring too late caps growth before anyone admits it. Here's how to time headcount off real capacity signals instead of a gut feeling.

Friday, September 04, 2026

Friends validate the decision you've already made. A good coach asks what's actually underneath it. Here's why that single question is the real value of business coaching — and why it's meant to be uncomfortable.

Friday, September 04, 2026

Constant switching between finance, sales, and operations quietly drains an SME owner's decision quality all day long. Here's how day-theming groups similar work together and ends the context-switching tax.

Friday, September 04, 2026

A single price turns every sale into a yes-or-no decision on cost alone. Here's why packaging your offer into three tiers changes the conversation, protects margin, and closes more deals without discounting.