Purpose. To study the process of adaptation and identify factors influencing the adaptability of business and consumers. To develop recommendations for increasing the level of adaptation of business and consumers and for ensuring the appropriate level of consumption by individuals. To develop a mathematical model of the current assessment of the level of adaptation. Methodology. General and special methods of cognition are used: abstract-logical method – to establish the complex nature of impact of large-scale challenges on the level of adaptation; induction and deduction – to establish the additive and multiplicative nature of threats; comparative analysis – to establish the fact that the adaptation process has a differentiated and unstable character and to identify factors influencing the adaptability of business and consumers. The generalization method is applied to propose the formation of a state Strategy for promoting the adaptation of business and consumers and ways of implementing it. The method of induction and deduction is used to establish the fact that the unstable nature of the adaptation capabilities of consumers requires the implementation of institutional measures, to propose these measures. Based on mathematical methods, a model of step-by-step adaptation and assessment of the level of adaptation was developed. Findings. Factors affecting the level of business and consumer adaptation were studied. It is established that adaptation processes have differentiated, uneven and unstable character and reasons for this are indicated. It is indicated that the impact of set threats can be additive and multiplicative in nature. It is indicated that effective adaptation of enterprises is possible only with the integration of efforts by management of enterprises and by state institutions. It is proposed to introduce the State Strategy for Facilitating the Adaptation of Businesses and Consumers. Originality. A mathematical model of the current assessment of the level of adaptation is developed. Practical value. The developed mathematical model makes it possible to assess compliance with the direction of adaptation and conduct operational planning of the enterprise in a more relevant manner.