Partner tool · Free
The free DREAMS Score
It's a no-cost business assessment from our partner Dreams Business Resources. It takes about 15 minutes and looks at six areas of your business to highlight savings, tax credits and other opportunities you may be overlooking. There's no cost and no obligation.
What does DREAMS stand for?
DREAMS stands for Debt, Retirement, Expenses, Assets, Money and Security, the six areas the score reviews.
- Debt
- Retirement
- Expenses
- Assets
- Money
- Security
No cost. No obligation.
Partner link. iSurge Media may earn a referral fee if you use it, at no cost to you.
Video overview
Figures in the video and sample dashboards are examples only. Results vary by business, and no savings are guaranteed.
What does the DREAMS Score look at?
Here's what each of the six areas covers:
- Debt & FundingLooks at high-cost debt, ways to restructure obligations and more flexible capital options.
- RetirementLooks at tax-efficient benefit structures and employee retirement planning.
- ExpensesLooks at operating costs like payroll, healthcare, utilities and recurring vendor spend.
- AssetsLooks at protecting and making the most of what's already in your business, from equipment strategy to insurance alignment.
- Money & CreditsLooks for overlooked tax credits, like R&D credits, FICA tip credits and state-level programs, that could improve cash flow.
- SecurityLooks at cybersecurity, compliance, coverage and risk controls.
Who is it for?
It's built for owners of established businesses who'd like a clear, no-pressure look at where money may be slipping away.
- Restaurants
- Warehouses and distributors
- Manufacturers
- Contractors and construction companies
- Professional firms
- Most small and mid-sized businesses
No cost. No obligation.
Partner link. iSurge Media may earn a referral fee if you use it, at no cost to you.
Frequently asked questions
What does DREAMS stand for?
DREAMS stands for Debt, Retirement, Expenses, Assets, Money and Security, the six areas the score reviews.
Is there any cost or obligation?
No. Getting your score is free, and there's no obligation to do anything with it.
How long does it take?
About 15 minutes, according to Dreams. No extensive preparation is needed to get started.
What do I get?
A report on where savings, tax credits and other opportunities may be hiding across the six DREAMS areas. You can review the findings with an expert if you want to, and then decide what, if anything, is worth acting on.
Who provides the score?
Dreams Business Resources, a partner of iSurge Media. Dan Smedstad is a Dreams referral partner, so iSurge Media may earn a referral fee if you use the link, at no cost to you.
Video transcript
Read the transcript
Is your business leaving money on the table?
The DREAMS Score for business is a comprehensive analysis designed to uncover hidden savings and increase your profits.
DREAMS stands for six key areas we review in your business.
D is for Debt and corporate funding. We analyze your current debt structure and identify better funding options to fuel your growth.
R is for Retirement.
We review your employee 401(k) plans to optimize costs and boost participation, saving you up to $750 per employee per year.
E is for Expenses.
We examine your health insurance premiums, energy costs, and utility bills to find areas where you can significantly reduce overhead.
A is for Assets.
We evaluate your most valuable assets, including your employees, your website, and your customer acquisition strategy, to identify ways to increase revenue and retain top talent.
M is for Money, specifically tax credits.
We identify eligible tax credits like R&D credits, FICA tip credits, and state-level programs that most businesses overlook.
S is for Security.
We review your corporate life insurance, buy-sell agreements, key man policies, and technology infrastructure to protect what you've built.
The DREAMS Score analyzes all of these areas and provides a detailed report showing exactly where you can reduce costs and increase profits.
Whether you run a restaurant, a warehouse, a manufacturing facility, a construction company, or any other business...
...the DREAMS Score gives you a clear picture of your untapped potential.
Take the free assessment today and discover how much your business could be saving.
No cost. No obligation.
Partner link. iSurge Media may earn a referral fee if you use it, at no cost to you. Read our articles or learn about Dan.