Commercial risk intelligence for founders and operators.
Independent signal on platform, contract and payment risk. Read by founders, operators and finance leaders running scaling businesses in the UK, US and EU.
What the desk is reading
and filing.
Constantly updated editorial activity. New analysis, signals filed, intelligence published throughout the week. The working surface of an independent commercial risk intelligence operation.
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F · 01Featured tool · Customer riskCustomer Value Exit Risk Matrix.Read your customer book against revenue weight, contractual lock and switching cost. The book scored for exit risk.
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F · 02Weekly signal · Risk feedAI agent access · Cyber Essentials v3.3 · UK demand pressure.The week's commercial risk movement, read across platform, contract and payment exposure.
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F · 03Insight · Creator economyWhat you are actually signing in a brand deal contract.The clauses creator businesses sign without reading and the commercial exposure they carry.
365 Risk Desk is the independent commercial risk intelligence platform for founders, operators and finance leaders running scaling businesses.
It publishes weekly analysis on platform risk, contract risk and payment risk across multiple industry verticals, alongside long-form intelligence guides and interactive tools. The desk is constantly updated and open to topic requests from readers.
We don't sell hours. We publish commercial risk intelligence.
Published analysis, not regulated advice. Take professional advice on specifics.
No placement, no affiliate, no paid editorial. Independent of vendor influence.
Three lenses on commercial exposure.
Every scaling business is exposed across the same three surfaces. 365 Risk Desk reads each one with the same independence and depth. Some pieces are free. The depth sits behind Gold and Platinum.
Platform risk.
When the platforms you depend on stop working, your revenue stops with them. Cloud, payment rails, identity, AI infrastructure, supplier concentration.
Contract risk.
The clauses you signed, read against the way exposure actually unfolds. Indemnity, liability, termination, IP, counterparty leverage.
Payment risk.
Where money moves and where it disappears. Chargebacks, processor freezes, settlement gaps, claims, treasury exposure across regulated and emerging payment surfaces.
The Business Owner's Complete Guide to Cyber Risk 2026.
Cyber risk in 2026 is a commercial problem first and a technical one second. In the UK Cyber Security Breaches Survey 2025, 43% of businesses identified a cyber security breach or attack in the last 12 months. The rate rose to 67% for medium businesses and 74% for large businesses. The cost shows up in the operating model long before it shows up in the security ledger.
This guide reads cyber exposure the way an operator reads risk. What it actually costs when something goes wrong. Where the loss compounds across the operating stack. Which contractual commitments survive a breach and which ones quietly do not.
Intelligence guides. Each one a working document.
Long-form intelligence from 365 Risk Desk. Two Gold Insights and a Platinum library beneath. Written to be used, not skimmed. Constantly added to.
Operational Resilience in 2026.
Why digital businesses are more exposed than they think. The operational resilience picture for 2026, read commercially.
SaaS Founder's Guide.
The SaaS founder's guide to commercial risk. Customer concentration, contract risk, platform dependency, revenue quality.
AI Liability Gap.
What founders need to know, before something goes wrong. Model risk, training data, hallucination liability, the AI liability gap.
UK Founder · Personal Liability.
What every UK founder needs to know about personal liability, before the exposure becomes personal. The commitments founders carry that the business does not see.
Cyber Risk Beyond the Basics.
What digital businesses are still getting wrong in 2026. Cyber risk beyond the technical checklists, read at the commercial layer.
Instruments to read your own risk surface.
Working instruments for Gold members. Score the customer book, run the business calculator, climb the supplier ladder, map enterprise counterparties, audit the creator commercial stack. The free Operational Risk Review is open to everyone.
Customer Value
Exit Risk Matrix.
Customer accounts scored against revenue weight, contractual lock and switching cost. The book read for exit risk.
Business Risk
Calculator.
Drag the slider. Watch the compounding revenue impact of an operational disruption.
Counterparty
Pressure Map.
Enterprise clients scored against payment behaviour, contract leverage and concentration. The pressure they apply, mapped.
Supplier
Dependency Ladder.
Six rungs of supplier exposure. Where you sit on the ladder tells you what fails when they do.
- 06Switching cost > 1% revenueCritical
- 05Supplier financial fragilityHigh
- 04Pricing pass-through riskMed
- 03Supplier holds your dataMed
- 02No substitution within 30 daysLow
- 01Single-supplier critical workflowLow
Creator Business
Commercial Checklist.
The commercial surface of a creator business read across eight working areas. What you have to keep clean and what you can let drift.
Read industry by industry.
365 Risk Desk reads commercial risk one vertical at a time. Each industry gets a dedicated lens. If your sector isn't here yet, the desk is open to adding it.
E-commerce
& Retail.
Card-not-present fraud, marketplace dependency, chargeback economics, fulfilment risk, supplier exposure.
SaaS
& Technology.
Customer concentration, revenue quality, platform dependency, enterprise contract risk, AI exposure.
Crypto
& Digital Asset.
Custody risk, counterparty failure, FCA registration exposure, supervised regime testing, treasury concentration.
Media, Content
& Creator.
Brand deal contracts, platform dependency, digital replica risk, IP exposure, creator business commercial surface.
The weekly signal, filed by
the desk.
One email. Each week. The week's commercial risk intelligence, read against what's actually moving in platform, contract and payment exposure.
No filler. No vendor placement. The same edition the desk reads before the desk reads anything else.
Choose how deep you read.
The Brief is free. Members read the depth. Independent of vendors, panels and placement. The desk keeps editorial independent.
The signal. Weekly Brief and public guides across platform, contract and payment risk.
- The Brief · weekly intelligence email
- Public guides · customer concentration, contract delay, chargebacks, Stripe freezes, platform migration, support queue review
- Operational Risk Review · public summary page
- Industry overview · all four verticals
- Weekly Risk Signals · open access
The depth. Every tool, every insight, every industry, every signal.
- Everything in Free
- Gold Tools · Customer Value Exit Risk Matrix, Business Risk Calculator, Supplier Dependency Ladder, Counterparty Pressure Map, Creator Business Checklist, Insurance Self-Assessment, Supplier Upgrade Decision Boundary, Fulfilment Workflow Operational Breakpoint
- Gold Insights · Operational Resilience 2026, Cyber Beyond Basics, AI Risk Exposure, Business vs Risk Intelligence, Risk Understood Too Late
- All four industry deep-dives
- Members-only signal pack
The full library. Long-form Platinum guides, executive-level intelligence and Platinum tools.
- Everything in Gold
- Platinum Guides · Cyber Risk 2026, AI Liability Gap, SaaS Founder's Guide, UK Founder Personal Liability, Insurance Fails at Claim Time
- Platinum Tools · Founder Dependency Engine, Business Fragility Review, Redesigning the Founder's Role
- Executive Risk Intelligence · strategic dossiers
- First read · embargoed analysis
We read the commercial risk that nobody else gets paid to read clearly.
Most commercial reports are shaped by the wider commercial model of the firm publishing them. Consulting practices have engagements to win. Advisory firms have panel relationships to protect. Vendors have product to sell.
365 Risk Desk does not. The desk is independent of vendors, panels and placement. It publishes what the operators it reads for actually need to know, not what would make the next quarter's pipeline look better.
That is the only position worth holding. It is the one the desk holds.
The honest questions.
Including the three nobody else writes plainly. Search the list or browse below.
365 Risk Desk
Commercial intelligence for founders and operators
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