Operate · the United States
Underwriting: Cut and Sew Apparel Contractors
What public records can and cannot establish about running this business in the United States, dimension by dimension, with the gaps named.
—
not scored
REWORK
PROVE
OPEN
NOT SCORED. 50 of 100 rubric points are evidenced deterministically from public records; 25 have no producer. The ±3.1 interval measured elsewhere on this site is ARBITER's sampling variance and does not apply to a SQL query, which returns the same answer every time it runs.
IndustryNAICS 315210
Scopethe United States
RubricO1.0-20260804
Pricedfree — no account, no gate
3th percentile of 287 industries
Where this industry stands
| Net formation, 5yr | Percentile | Reads as | Signal strength |
|---|---|---|---|
| -3.60% | 3th of 287 | shrinking hard | ρ 0.57 across 4 backtested windows, 42.6pp decile separation |
Economic Census 2022
What it costs to produce
| Measure | Value |
|---|---|
| Margin on receipts | 60.0% |
| Computed as | value added — receipts less cost of materials |
| Industry receipts | $2.0bn |
SBA 7(a) acquisition loans · FY2011–FY2026
Can you borrow to buy one
| Measure | Value |
|---|---|
| Acquisition loans approved | 146 |
| Median loan | $305,267 |
| Mean rate | 7.77% |
| Mean term | 117 months |
| Charged off | 14.3% |
2,296 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 604 | 26.3% | 26.3% | 52.5% |
| 100-499 | 999 | 43.5% | 69.8% | 38.9% |
| 500-999 | 288 | 12.5% | 82.4% | 40.6% |
| 1,000-2,499 | 215 | 9.4% | 91.7% | 38.9% |
| 2,500-4,999 | 82 | 3.6% | 95.3% | 33.1% |
| 5,000-7,499 | 36 | 1.6% | 96.9% | 31.4% |
| 7,500-9,999 | 16 | 0.7% | 97.6% | 32.8% |
| 10,000-14,999 | 17 | 0.7% | 98.3% | 31.0% |
| 15,000-19,999 | 9 | 0.4% | 98.7% | 24.3% |
| 20,000-24,999 | 3 | 0.1% | 98.8% | 14.9% |
| 25,000-29,999 | 4 | 0.2% | 99.0% | 7.2% |
| 40,000-49,999 | 4 | 0.2% | 99.2% | 49.7% |
| 50,000-74,999 | 7 | 0.3% | 99.5% | 15.6% |
| 100,000+ | 12 | 0.5% | 100.0% | 44.6% |
SBA 7(a) · FY2011–FY2026
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 146 |
| Median loan | $305,267 |
| Typical rate | 7.77% |
| Typical term | 117 months |
| Total approved | $68,877,400 |
| Charge-off rate, seasoned cohorts | 14.3% |
| Loans that reached an outcome | 63 |
| Rank among industries | 97th of 501 |
Take this away
| Format | What it is |
|---|---|
| download the document → | One self-contained file — no stylesheet, no fonts, no scripts. Works offline, prints, and carries a content hash anyone can verify at /verify without an account. |
| JSON → | The same figures as data, with every source and gap attached. |
50 of 100 rubric points evidenced
What this report can and cannot underwrite
| Dimension | Weight | Evidence | Predicts? | Source |
|---|---|---|---|---|
| O1 · Demand density and recurrence | 25 | evidenced | predictive · ρ +0.57 | US Census County Business Patterns |
| O2 · Payment evidence | 15 | partial | not backtested | USASpending.gov — US federal government work, public domain |
| O3 · Licence gate favourability | 15 | no producer | not backtested | CareerOneStop / ARC, U.S. Department of Labor |
| O4 · Labour availability | 15 | evidenced | not backtested | BLS Occupational Employment and Wage Statistics, May 2024 |
| O5 · Incumbent weakness | 10 | no producer | not backtested | none |
| O6 · Margin structure | 10 | partial | not backtested | US Census Economic Census 2022 |
| O7 · Ceiling | 10 | evidenced | DESCRIPTIVE ONLY · ρ +0.05 | US Census Business Dynamics Statistics — public domain |
Every licensed occupation in this industry
| Occupation | Share here | Concentration | Jurisdictions |
|---|---|---|---|
| General and Operations Managers | 3.12% | 1.3× | 23 of 56 |
| Sales Representatives, Wholesale and Manufacturing, Except Technical and Scientific Products | 3.01% | 3.7× | 17 of 56 |
| Packers and Packagers, Hand | 2.65% | 6.5× | 2 of 56 |
| Shipping, Receiving, and Inventory Clerks | 2.72% | 4.8× | 1 of 56 |
What this report cannot tell you
| Gap |
|---|
| licences in any state — no occupation in this industry matched a title in the national register. That may mean unlicensed, or licensed municipally, and the two are different findings. |
| occupation mix for NAICS 315210 — the labour statistics carry no rows at this level, so everything about occupations here, including the defining occupation and its licence gate, is measured at NAICS 315200, a broader grouping. Establishment counts are for 315210 itself. |
| bonding_required_usd — no producer, and not estimated |