All qualification frameworks

    Qualification framework

    CHAMP sales qualification

    CHAMP is a lead qualification framework that checks Challenges, Authority, Money and Prioritisation, in that order. It reworks BANT to start with the buyer's problem, which makes it the better fit for outbound first calls where budget is rarely set.

    Quick answer

    What does CHAMP stand for in sales? Challenges, Authority, Money and Prioritisation. It covers the same ground as BANT but starts with the buyer's challenge and replaces timeline with prioritisation, meaning how high the problem ranks against everything else the buyer has to do. SDRs use it to decide whether a cold call has earned a meeting.

    What CHAMP is

    CHAMP asks four questions in the order a real conversation runs. Challenges: what is getting in the buyer's way? Authority: who decides and who influences? Money: how would this be funded, and is the cost of the problem big enough to justify it? Prioritisation: where does this sit against the buyer's other priorities, and why now?

    The order is the point. On a cold call the prospect did not ask to hear from you. Opening with their challenge gives them a reason to keep talking, and by the time you ask about authority and money, the questions feel like part of solving their problem rather than a sales checklist.

    Prioritisation is the letter that makes CHAMP more useful than BANT for outbound. A buyer can have a real challenge, the right title and a budget, and still never buy because six other projects come first. Asking where the problem ranks tells you whether a meeting is likely to become an opportunity.

    Where CHAMP came from

    CHAMP is a later rework of BANT, built for buyers who research before they talk to sales and rarely have a budget set aside for a problem they have not yet decided to fix. There is no widely cited primary source for who coined it or when, so treat any precise attribution with caution.

    What is not in doubt is the reason it spread: B2B buyers had become more informed and less patient with budget-first qualification, and sales teams wanted a framework that matched how a consultative conversation actually starts.

    CHAMP vs BANT

    CHAMP and BANT compared letter by letter
    TopicBANTCHAMPWhy it matters
    Starting pointBudgetChallengesStarting with the problem earns the right to ask the rest
    PeopleAuthorityAuthoritySame idea; CHAMP practitioners usually ask about the wider group
    MoneyBudget: is it set aside?Money: how would it be funded, and is the problem costly enough?Covers buyers with a real problem and no budget line yet
    TimingTimeline: when will they buy?Prioritisation: how high does it rank, and why now?A date means little if five projects come first
    Best fitInbound leads, simple salesOutbound first calls, consultative salesMatch the framework to who started the conversation

    When to use CHAMP, and when not to

    Use it when

    • SDRs are cold calling and need to decide whether to book a meeting.
    • Buyers rarely have budget set aside before they see value.
    • Too many booked meetings go nowhere because the problem was never a priority.
    • You want a first-call framework that hands over cleanly to MEDDIC.

    Do not use it when

    • You are qualifying a large deal for the forecast. CHAMP says nothing about decision criteria, the paper process or competition.
    • The buyer has already given you their requirements and budget, as in a tender. Move straight to deal qualification.
    • Your SDRs treat it as four questions to read out. It works only inside a real conversation.

    Each CHAMP letter explained, with questions to ask

    At least twelve questions per letter. Pick one or two per letter on a cold call; use more in a longer inbound call.

    CH: Challenges

    The business problems getting in the buyer's way, in their words. On a cold call you are listening for one challenge you can help with, not a full list.

    Listen for: Specific examples, numbers, frustration and the word 'still', as in 'we still do that by hand'.

    Questions to ask (12)

    1. How are you handling {{area you help with}} at the moment?
    2. What is the hardest part of that for your team?
    3. What usually goes wrong?
    4. Can you give me a recent example?
    5. How long has that been a problem?
    6. What have you tried so far?
    7. What happened when you tried it?
    8. Who else is affected when that goes wrong?
    9. If you could change one thing about how it works now, what would it be?
    10. What is that costing you, roughly?
    11. Is it getting better or worse as you grow?
    12. When we speak to other {{role}}s, we often hear {{common challenge}}. Is that true for you?

    A 3 looks like: A specific challenge with an example and a consequence, in the buyer's words, that you can solve.

    A: Authority

    Who decides, who influences and whether your contact can get you to both. In CHAMP the challenge comes first, so by the time you ask about people, the prospect knows why it matters.

    Listen for: Who signed off the last similar change, who 'would need to be across it', and whether your contact talks about the decision as theirs.

    Questions to ask (12)

    1. Who else would be involved in looking at something like this?
    2. Who would make the final call?
    3. How was the last change like this decided?
    4. What role would you play?
    5. Would anyone in IT, finance or operations need a say?
    6. Who would use it day to day?
    7. Who would be most sceptical?
    8. Would it make sense for them to join the first conversation?
    9. What would your manager want to see before supporting it?
    10. Is there anyone who would want to keep things as they are?
    11. If you were keen, how would you take it forward internally?
    12. Who owns the budget this would come from?

    A 3 looks like: Decision maker and influencers named, your contact's role clear, and the decision maker attending or agreed for the next step.

    M: Money

    How a solution would be funded, and whether the cost of the challenge justifies it. On a first call, the useful question is how spending like this gets approved, not how much they have.

    Listen for: Existing spend on the problem, approval thresholds, budget cycles, and 'if it paid for itself'.

    Questions to ask (12)

    1. How do projects like this usually get funded?
    2. Is there budget for it this year, or would it need a case made?
    3. What does the problem cost you now, including people's time?
    4. Are you paying for anything today that this would replace?
    5. Above what amount does it need sign-off from someone else?
    6. When is next year's budget set?
    7. Would it need to pay for itself within a certain time?
    8. Have you looked at what other options cost?
    9. If it made sense, could budget be found mid-year?
    10. Is there a spending freeze or constraint we should know about?
    11. Who would build the business case?
    12. Would you prefer to start with a small trial or the full scope?

    A 3 looks like: A funding route confirmed, with the approver and threshold known and the cost of the problem understood.

    P: Prioritisation

    Where the challenge sits against everything else the buyer has to do, and why it matters now. A challenge ranked fourth this year is a nurture lead, however good the fit.

    Listen for: Trigger events, deadlines, a new leader, board attention, and whether the problem made this year's plan.

    Questions to ask (12)

    1. Where does this sit on your list of priorities this year?
    2. What is above it?
    3. What would move it up the list?
    4. Is it in this year's plan or budget?
    5. Why look at it now rather than last year?
    6. What happens if it waits another six months?
    7. Is there a deadline, event or contract end driving it?
    8. Has leadership asked about it recently?
    9. What else is your team working on this quarter?
    10. If you had time for one improvement project, would it be this one?
    11. Who is pushing for this to happen?
    12. What would need to be true for you to act on it this quarter?

    A 3 looks like: A top three priority this year, with a named trigger or deadline and someone senior pushing for it.

    Red flags

    Signals that a deal is weaker than the notes suggest, and what to do about each.

    The challenge is yours, not theirs

    If the SDR described the problem and the prospect agreed politely, nothing has been qualified.

    What to do: Ask for an example. If they cannot give one, the challenge is not real for them yet.

    'It is a priority' with nothing ranked above or below it

    Everything is a priority when asked directly.

    What to do: Ask what else is on the list and where this sits. A ranking is evidence; a yes is not.

    No one else would be involved

    In most B2B purchases someone else signs off or uses the product.

    What to do: Ask how the last similar change was decided and who was involved.

    Money questions asked before the challenge is clear

    It turns a conversation into a sales screen and invites 'no budget'.

    What to do: Keep money for the end of the call, after the challenge and priority are established.

    The meeting is booked with someone who cannot name the decision maker

    The account executive will spend the first meeting finding the real buyer.

    What to do: Ask your contact to invite the decision maker, or book a short follow-up with both.

    CHAMP qualification scorecard

    Score each element from 0 to 3 after the call. The total and verdict update as you go.

    CH: Challenges

    A 3 looks like: A specific challenge with an example and a consequence, in the buyer's words, that you can solve.

    A: Authority

    A 3 looks like: Decision maker and influencers named, your contact's role clear, and the decision maker attending or agreed for the next step.

    M: Money

    A 3 looks like: A funding route confirmed, with the approver and threshold known and the cost of the problem understood.

    P: Prioritisation

    A 3 looks like: A top three priority this year, with a named trigger or deadline and someone senior pushing for it.

    Printable CHAMP scorecard

    Print this page or copy the table into your CRM notes. Score each element from 0 to 3 in the last column.

    CHAMP scorecard
    ElementWhat a 3 looks likeScore (0 to 3)
    CH: ChallengesA specific challenge with an example and a consequence, in the buyer's words, that you can solve. 
    A: AuthorityDecision maker and influencers named, your contact's role clear, and the decision maker attending or agreed for the next step. 
    M: MoneyA funding route confirmed, with the approver and threshold known and the cost of the problem understood. 
    P: PrioritisationA top three priority this year, with a named trigger or deadline and someone senior pushing for it. 
    TotalMaximum 12 
    What each score means
    ScoreMeaning
    0 UnknownNot discussed, or the buyer would not answer.
    1 AssumedMentioned vaguely, or it is your guess rather than the buyer's words.
    2 ConfirmedThe buyer said it clearly, with gaps or from one source only.
    3 EvidencedConfirmed in the buyer's words with specifics, and backed by a second person, a document or a date.
    How the total becomes a verdict
    Share of maximumVerdictWhat to do
    75% or moreQualifiedAdvance it. A critical element scored 0 caps this at Developing.
    50% to 74%DevelopingBook the next step with a plan to close every gap below 2.
    25% to 49%EarlyGo back for the missing answers or move it to nurture.
    Under 25%UnqualifiedDisqualify or recycle, and record why.

    Critical elements for CHAMP: CH: Challenges, A: Authority. If any of these scores 0, the verdict cannot be higher than Developing.

    Filled CHAMP example: a cold call handed to the account executive

    A fictional example: an outsourced SDR has booked a meeting and is handing it to the client's account executive.

    The seller is a managed IT and security provider. Its outsourced SDR cold called the operations director at a construction company in Brisbane with about 90 staff and crews on several sites. The opener referred to site staff using personal phones for job apps, a pattern the provider sees often in construction.

    The prospect said the company had no IT team, that a contractor 'looks after things when they break', and that a recent lost laptop had rattled the directors.

    CHAMP scores for the example
    ElementScoreEvidence from the call
    CH: Challenges2 of 3No in-house IT. A laptop with tender documents was lost last month and nobody could wipe it remotely. Contractor is reactive only.
    A: Authority2 of 3Operations director runs IT decisions with the managing director. Managing director will join the meeting.
    M: Money1 of 3Pays the contractor by the hour; no idea of annual total. No budget line for managed services.
    P: Prioritisation2 of 3Directors want it sorted before they bid on a larger government project next year, which asks about security controls.
    Total7 of 12Developing. A real challenge and a trigger; the account executive should size current IT spend to make the money case.

    The handover note the SDR sent

    MEETING HANDOVER: construction company, Brisbane, about 90 staff, multiple sites
    Meeting: Wednesday 9am, 45 minutes, in person at their yard
    Attending: Operations Director and Managing Director
    
    Why they agreed to meet (their words)
    "After the laptop went missing, the directors want to know we are not exposed."
    
    CHAMP
    Challenges (2): no in-house IT, contractor is reactive only. Laptop with tender documents lost last month, could not be wiped.
    Authority (2): operations director and managing director decide together. Both attending.
    Money (1): pays the contractor by the hour, no annual total. No budget line yet.
    Prioritisation (2): wants it fixed before bidding a larger government project next year that asks about security controls.
    
    Score: 7 of 12 (Developing). Gap: money. Help them total current IT spend in the meeting.
    
    What they expect: what a managed service would cover for a company their size, including site devices.
    Watch outs: the contractor is a friend of the managing director. Do not criticise them.

    How SDRs and account executives use CHAMP

    CHAMP belongs to the SDR. The account executive uses the SDR's CHAMP notes as the starting point for deeper qualification.

    SDR on the first call

    • Open with a challenge you see often in their industry, then ask if it applies.
    • Get one specific example before moving on.
    • Ask who else would be involved, and invite them to the meeting.
    • Ask how spending like this is approved, not how much they have.
    • Always ask where the problem ranks. It is the best predictor of whether the meeting turns into an opportunity.
    • Use the CHAMP card and send the handover note the same day.

    Account executive from discovery

    • Turn the challenge into a costed pain and a metric.
    • Confirm authority by meeting the decision maker, not by asking about them.
    • Build the money case from the cost of the problem.
    • Move to MEDDPICC for anything with a buying group or a formal approval step.

    Templates

    Copy, print or adapt. Highlighted placeholders are the parts to replace.

    All qualification templates

    CHAMP cold call qualification card

    A one-screen card an SDR fills in during an outbound call.

    CHAMP CARD: {{prospect company}}, {{contact name and title}}
    
    Challenge
    Main challenge in their words: "{{quote}}"
    How long it has been a problem: {{time}}
    What they have tried: {{attempts}}
    Score 0 to 3: {{score}}
    
    Authority
    Who decides on this: {{name or role}}
    Who else would need to be in the room: {{names or roles}}
    Score 0 to 3: {{score}}
    
    Money
    How this is funded today: {{budget line, project, not funded}}
    Cost of the problem, if mentioned: {{figure or estimate}}
    Score 0 to 3: {{score}}
    
    Prioritisation
    Where this sits against other priorities: {{top three, this year, someday}}
    Why now: {{trigger}}
    Score 0 to 3: {{score}}
    
    Total: {{total}} of 12   Meeting booked: {{yes or no}}   With: {{attendees}}

    When to use it

    On outbound calls where the prospect did not ask to hear from you and budget is rarely set.

    Why it works

    Leading with the challenge earns the right to ask about authority and money. Prioritisation is the letter most teams skip, and it is the one that predicts whether a meeting will turn into an opportunity.

    Variations

    • For partner recruitment, replace Money with 'Capacity': whether they have the people to take on a new product.
    • For an enterprise account, add a line under Authority for a likely champion.

    Common mistakes

    • Accepting 'it is a priority' without asking what it is ranked against.
    • Asking about money on a first cold call before the challenge is clear.
    • Booking a meeting with someone who cannot name who decides.

    SDR to account executive handover note

    The note an SDR sends with every booked meeting so the AE never starts cold.

    MEETING HANDOVER: {{prospect company}}
    Meeting: {{date and time}}, {{length}} minutes, {{video or phone}}
    Booked by: {{SDR name}}   Account executive: {{AE name}}
    
    Who is attending
    {{name}}, {{title}}. Reports to {{manager, if known}}.
    Others invited or mentioned: {{names and titles}}
    
    Why they agreed to meet (their words)
    "{{the reason they gave, as close to verbatim as possible}}"
    
    What they told us
    Current situation: {{tools, team, process}}
    Problem or goal: {{what is not working or what they want to achieve}}
    Impact they mentioned: {{cost, time, risk, revenue}}
    Timing: {{deadline, contract end, project start, budget cycle}}
    Decision: {{who else is involved, how they buy}}
    Budget: {{anything said, or "not discussed"}}
    
    Qualification score: {{framework}} {{score}} of {{max}}. Gaps: {{elements scored below 2}}
    
    What the prospect expects from the meeting
    {{what the SDR promised: a conversation, a comparison, a specific question answered}}
    
    Watch outs
    {{objections raised, competitor mentioned, sensitivity, anything not to say}}

    When to use it

    Every time a meeting is booked, within a few hours of the call, in the CRM and in the calendar invite.

    Why it works

    The first five minutes of a discovery call are often wasted repeating what the SDR already learned. A structured note lets the account executive open with the prospect's own words, which is the fastest way to earn trust.

    Variations

    • For a CHAMP qualified meeting, replace the 'What they told us' block with the four CHAMP headings.
    • For an outsourced SDR team, add the campaign name and the list source so the client can trace the meeting.
    • For a short version in the calendar invite, keep only 'Why they agreed to meet' and 'What the prospect expects'.

    Common mistakes

    • Paraphrasing the prospect's reason into sales language. Keep their words.
    • Promising a demo when the prospect agreed to a conversation. The AE then opens with the wrong agenda.
    • Leaving out the watch outs. A competitor mention or a bad past experience changes how the AE opens.

    CHAMP on a cold call: a two-minute flow

    How the letters fit into a real call, once the prospect has agreed to keep talking.

    1. Opener: who you are, why you called them, and a challenge you often hear from people in their role. Ask if it rings true. Our guide to the best cold call opener covers the first ten seconds.
    2. Challenge: one or two questions and an example in their words.
    3. Prioritisation, asked early while the challenge is fresh: 'Where does that sit against everything else this year?'
    4. Authority: 'Who else would want to be part of a conversation about it?'
    5. Money, lightly: 'How does something like this usually get approved?'
    6. The ask: a specific time, with the people they named, framed as a conversation rather than a demo.

    If you want the wording built for your market, the free cold call script generator produces an opener, a question and objection responses in your browser.

    CHAMP compared with other frameworks

    MEDDIC vs BANT vs SPIN vs CHAMP vs GPCT, plus the Sandler and Challenger methods.

    Which framework should my team use?
    Sales qualification frameworks compared
    FrameworkStands forOriginBest forWho runs itStageMain weakness
    MEDDIC / MEDDPICCMetrics, Economic buyer, Decision criteria, Decision process, (Paper process), Identify pain, Champion, (Competition)PTC, mid 1990s, Dick Dunkel and Jack NapoliComplex B2B deals with a buying committee and a long cycleAccount executive, with SDR clues from the first callDiscovery to close, and pipeline reviewsToo heavy for a cold call or a small, quick sale
    BANTBudget, Authority, Need, TimelineIBM, usually dated to the 1950s or 1960sFast first-pass qualification of inbound leads and simple salesSDR or inside salesFirst callAsks for budget before value is shown; misses buying groups
    SPIN SellingSituation, Problem, Implication, Need-payoffNeil Rackham and Huthwaite, book published 1988Discovery in larger sales where the buyer must build their own caseAccount executive; SDRs use the problem and implication questionsDiscoveryA questioning method, not a checklist; says little about sign-off
    CHAMPChallenges, Authority, Money, PrioritisationA later rework of BANT; attribution variesOutbound first calls where budget is not set yetSDRFirst callLight on the decision process and competition
    GPCTBA/C&IGoals, Plans, Challenges, Timeline, Budget, Authority, Negative consequences, Positive implicationsDeveloped by HubSpot for its own sales teamConsultative mid-market sales led by the buyer's goalsAccount executive or senior SDRDiscoveryEight elements is a lot for one call; easy to run as a script
    Sandler Selling SystemBonding and rapport, Up-front contract, Pain, Budget, Decision, Fulfilment, Post-sellDavid Sandler, founded Sandler in 1967Teams losing deals to stalls, free consulting and think-it-oversWhole team; SDRs use the up-front contract and pain funnelEvery callNeeds training and practice; can feel blunt if done badly
    The Challenger SaleTeach, Tailor, Take controlMatthew Dixon and Brent Adamson, CEB, book published 2011Buyers who are happy with the status quo and complex salesAccount executive, with insight-led openers for SDRsOpener to closeNeeds a real insight; without one it reads as arrogance

    Frequently asked questions

    What does CHAMP stand for?

    Challenges, Authority, Money and Prioritisation.

    Is CHAMP better than BANT?

    For outbound first calls, usually yes, because it starts with the buyer's problem and asks how high it ranks. For quick triage of inbound leads on simple sales, BANT in the order need, timeline, authority, budget works just as well.

    Who created CHAMP?

    There is no widely cited primary source for who coined it or when. It is best understood as a rework of BANT that puts the challenge first.

    What is the difference between timeline and prioritisation?

    Timeline asks when the buyer will act. Prioritisation asks how high the problem ranks against their other work and what is driving it. A buyer can give a date and still never act if four projects come first.

    Can CHAMP be used for enterprise deals?

    On the first call, yes. For the deal itself, add MEDDPICC once an account executive is involved, because CHAMP does not cover decision criteria, the buying process or competition.

    How do you score CHAMP?

    Score each letter from 0 to 3, out of 12 in total. Challenges and authority are critical: if either scores 0, the verdict cannot be higher than Developing, whatever the total.

    What if the prospect has no money for it?

    Ask what the problem costs now and how spending gets approved. A costly challenge that ranks high often finds budget. A low priority challenge with budget often does not get bought.

    Want qualified meetings handed over properly?

    Our SDRs work in-house in Sydney, qualify on the phone and send a handover note with every meeting. Book a 30-minute call and we will map your market and buyers.

    Starting at $7,000 a month. Exact fee quoted after a 30-minute call.