If your client has requested your ActionPath, it is a separate request from an FHR request — even if you have already provided your FHR to that same client. The two products answer different questions, use different inputs, and produce different deliverables. This article explains the distinction so you know what your client is asking for and what you need to do next.
Key Facts
| FHR request | ActionPath request |
What the client wants | Your current financial health assessment | Your forward-looking financial improvement plan |
What you provide | Financial statements | A configured plan built from improvement strategies |
Deliverable shared with client | An FHR Report or Summary Disclosure Report | Your ActionPath plan, including projected FHR |
Time orientation | Point-in-time snapshot | Forward-looking projection |
Available on | All tiers (per tier allotments) | Creating: Basic, Essential, Pro. Sharing: Essential and above |
What an FHR request is
An FHR request is your client asking to see your Financial Health Rating — a 0–100 score generated from your financial statements that reflects the short-term default risk and long-term sustainability of your business. To fulfill an FHR request, you upload financial statements to the FHR Exchange. RapidRatings analyzes them and produces the rating, which you can then share with the requesting client as an FHR Report (full transparency) or a Summary Disclosure Report (limited transparency).
An FHR request is fundamentally about where you stand today. It is a point-in-time assessment of your financial position.
What an ActionPath request is
An ActionPath request is your client asking to see your improvement plan — the specific steps you are taking to strengthen your financial health and the projected impact on your FHR. ActionPath is an interactive tool inside the FHR Exchange that identifies the financial areas most affecting your rating, lets you select from 14 proven improvement strategies, and models how your FHR could move if you achieve your targets.
To fulfill an ActionPath request, you configure your plan inside the tool. For each strategy you select, you provide commentary on how you will execute it, set a target ratio calibrated against industry benchmarks, and see the projected FHR impact. Once complete, you share the plan with the requesting client.
An ActionPath request is fundamentally about where you are going. It is a forward-looking narrative backed by data.
How to tell which one you've received
The request notification and your FHR Exchange dashboard will specify the request type. If you're unsure, look at what your client is asking to see:
If your client wants to see your current rating, it is an FHR request. Fulfill it by uploading financial statements.
If your client wants to see your plan to improve your rating, it is an ActionPath request. Fulfill it by configuring your plan in the ActionPath tool and sharing it.
The two are independent. A client can request one, the other, or both. Completing one does not fulfill the other. If your client has requested both, you need to upload financial statements and configure and share your ActionPath.
Why clients request both
FHRs and ActionPaths answer different questions. An FHR tells your client how financially healthy you are right now. An ActionPath tells your client what you are doing to get stronger, and by how much. Together they replace a single rating snapshot with a data-driven improvement narrative — which is why clients often request an ActionPath after they have already seen your FHR, particularly during onboarding, renewals, or commercial reviews where they want a substantive conversation about your financial trajectory.