Operate · the United States
Underwriting: Apparel Accessories and Other Apparel Manufacturing
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 315990
Scopethe United States
RubricO1.0-20260804
Pricedfree — no account, no gate
90th percentile of 287 industries
Where this industry stands
| Net formation, 5yr | Percentile | Reads as | Signal strength |
|---|---|---|---|
| +3.60% | 90th of 287 | forming much faster than it is dying | ρ 0.57 across 4 backtested windows, 42.6pp decile separation |
Economic Census 2022
What it costs to produce
| Measure | Value |
|---|---|
| Margin on receipts | 56.5% |
| Computed as | value added — receipts less cost of materials |
| Industry receipts | $1.2bn |
SBA 7(a) acquisition loans · FY2010–FY2026
Can you borrow to buy one
| Measure | Value |
|---|---|
| Acquisition loans approved | 436 |
| Median loan | $266,950 |
| Mean rate | 7.39% |
| Mean term | 119 months |
| Charged off | 11.1% |
697 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 185 | 26.5% | 26.5% | 32.8% |
| 100-499 | 204 | 29.3% | 55.8% | 34.1% |
| 500-999 | 94 | 13.5% | 69.3% | 31.8% |
| 1,000-2,499 | 106 | 15.2% | 84.5% | 30.9% |
| 2,500-4,999 | 38 | 5.5% | 90.0% | 28.9% |
| 5,000-7,499 | 16 | 2.3% | 92.3% | 21.1% |
| 7,500-9,999 | 12 | 1.7% | 94.0% | 16.7% |
| 10,000-14,999 | 10 | 1.4% | 95.4% | 14.7% |
| 15,000-19,999 | 10 | 1.4% | 96.8% | 31.0% |
| 25,000-29,999 | 3 | 0.4% | 97.3% | 29.1% |
| 50,000-74,999 | 4 | 0.6% | 97.8% | 22.2% |
| 75,000-99,999 | 3 | 0.4% | 98.3% | 21.6% |
| 100,000+ | 12 | 1.7% | 100.0% | 19.1% |
SBA 7(a) · FY2010–FY2026
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 436 |
| Median loan | $266,950 |
| Typical rate | 7.39% |
| Typical term | 119 months |
| Total approved | $233,068,700 |
| Charge-off rate, seasoned cohorts | 11.1% |
| Loans that reached an outcome | 135 |
| Rank among industries | 90th 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 | 3.67% | 1.5× | 23 of 56 |
| Sales Representatives, Wholesale and Manufacturing, Except Technical and Scientific Products | 4.49% | 5.5× | 17 of 56 |
| Shipping, Receiving, and Inventory Clerks | 3.29% | 5.8× | 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 315990 — 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 315900, a broader grouping. Establishment counts are for 315990 itself. |
| bonding_required_usd — no producer, and not estimated |