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.
In the current edition.
New analysis published throughout the week across platform, contract and payment risk.
What is 365 Risk Desk?
365 Risk Desk is an independent commercial risk publication for founders and operators of scaling businesses.
It publishes weekly analysis on platform risk, contract risk and payment risk across multiple industry verticals, alongside long-form guides and interactive tools. Coverage updates weekly and is open to topic requests from readers.
Three lenses on commercial exposure.
Every scaling business carries exposure across the same three surfaces. Some coverage is free. The deeper work sits behind Gold and Platinum.
Every scaling business carries exposure across three surfaces. 365 Risk Desk publishes on each, and the work that sits between them.
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. Where insurance helps and where it does not.
Built for the people who run scaling businesses across the UK, US and EU. Not a technical primer. A commercial one. Long-form. Platinum members only.
Source · UK Cyber Security Breaches Survey 2025, Department for Science, Innovation and Technology. Figures shown for general commercial context only.
Read the full guide PlatinumGuides. Each one a working document.
Long-form guides written to be used, not skimmed. Two Gold Insights with a Gold membership. A Platinum library beneath.
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."
Score your own exposure.
Five interactive Gold tools. Customer concentration. Business calculator. Supplier dependency. Enterprise client pressure. Creator commercial checklist. 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.
Run the calculatorCounterparty 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.
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.
Coverage by sector.
Each industry gets a dedicated lens. If your sector isn't here yet, coverage can be added on request.
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.
Your sector?
Want a vertical covered that isn't here yet? The editorial team adds coverage on reader request.
The weekly brief, every Wednesday.
One email each week. Commercial risk that is actually moving in platform, contract and payment exposure.
No vendor placement. The same edition the editorial team reads first.
Three ways to read.
Free for everyone. Members read the depth.
- The Brief · weekly editorial 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
- 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
- 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
- Long-form Platinum guides · 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 publication 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 position 365 Risk Desk publishes from.
The honest questions.
Including the difficult ones. Search or browse below.