AI developers are licensing internal records from established companies to train their models. Process manuals, help desk history, CRM notes, project archives, QA logs and team chat all qualify. It is a license, so you keep your data and keep using it. Interested in selling? See if your business fits the program in under a minute.
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How many people could you lose before something important stops working?
The bus factor started as a software team joke: how many developers would need to be hit by a bus before the project stalls? It is just as useful for a whole business. If only one person can run payroll, knows the admin passwords or holds the biggest client relationship, your bus factor is one. This calculator helps you find those weak points. List your critical areas, then enter how many people can handle each one fully, whether it is documented and how badly the business would be hurt if it stopped. Every area gets a risk score and level, the tool finds your overall bus factor and counts single points of failure, and each row comes with a suggested fix. Six common areas are pre-filled to get you started.
| Critical area or task | People who can do it | Documented? | Impact if it stops |
|---|
| Area | Risk score | Risk level | Suggested action |
|---|
Owners who hold every client relationship, one bookkeeper who runs all finance, one IT person with all the passwords and one senior specialist who knows the old system. Check these four first.
Month one: list every critical task and who can do it. Month two: document the highest risk tasks. Month three: have a backup perform each one while the expert watches, and update the documents with anything missed.
A company that runs without any single person is worth more to buyers and investors. The documentation you create along the way is also a standalone asset, useful for training, AI tools and even licensing to AI companies.
For any critical area, a bus factor of at least 2 is the minimum and 3 or more is comfortable. A bus factor of 1 means one absence, resignation or illness could halt that part of the business.
The tool looks at every area you marked as high or medium impact and takes the lowest number of capable people among them. That smallest number is your business bus factor.
Key person dependency is when a business relies heavily on one individual for revenue, operations or knowledge. Lenders, investors and buyers treat it as a serious risk and may lower valuations because of it.
Document each critical task, cross train at least one backup, share access to important systems through a password manager and introduce more than one contact to key clients and suppliers.
Yes. A written process means a capable colleague can step in even if they have never done the task. That is why the risk score drops sharply when you mark an area as fully documented.