Operate · the United States
Underwriting: Used Car Dealers
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. 65 of 100 rubric points are evidenced deterministically from public records; 10 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 441120
Scopethe United States
RubricO1.0-20260804
Pricedfree — no account, no gate
50th percentile of 287 industries
Where this industry stands
| Net formation, 5yr | Percentile | Reads as | Signal strength |
|---|---|---|---|
| +0.18% | 50th of 287 | roughly in balance | ρ 0.57 across 4 backtested windows, 42.6pp decile separation |
SBA 7(a) acquisition loans · FY2010–FY2026
Can you borrow to buy one
| Measure | Value |
|---|---|
| Acquisition loans approved | 2,030 |
| Median loan | $278,241 |
| Mean rate | 7.3% |
| Mean term | 171 months |
| Charged off | 14.2% |
23,577 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 1,283 | 5.4% | 5.4% | 20.1% |
| 100-499 | 4,607 | 19.5% | 25.0% | 12.3% |
| 500-999 | 3,796 | 16.1% | 41.1% | 9.8% |
| 1,000-2,499 | 5,645 | 23.9% | 65.0% | 7.8% |
| 2,500-4,999 | 3,594 | 15.2% | 80.3% | 6.5% |
| 5,000-7,499 | 1,511 | 6.4% | 86.7% | 6.1% |
| 7,500-9,999 | 751 | 3.2% | 89.9% | 5.8% |
| 10,000-14,999 | 796 | 3.4% | 93.2% | 5.7% |
| 15,000-19,999 | 434 | 1.8% | 95.1% | 5.4% |
| 20,000-24,999 | 242 | 1.0% | 96.1% | 5.6% |
| 25,000-29,999 | 161 | 0.7% | 96.8% | 5.9% |
| 30,000-34,999 | 118 | 0.5% | 97.3% | 5.1% |
| 35,000-39,999 | 73 | 0.3% | 97.6% | 5.5% |
| 40,000-49,999 | 101 | 0.4% | 98.0% | 5.8% |
| 50,000-74,999 | 154 | 0.7% | 98.7% | 4.7% |
| 75,000-99,999 | 73 | 0.3% | 99.0% | 4.6% |
| 100,000+ | 238 | 1.0% | 100.0% | 5.5% |
SBA 7(a) · FY2010–FY2026
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 2,030 |
| Median loan | $278,241 |
| Typical rate | 7.3% |
| Typical term | 171 months |
| Total approved | $1,015,493,900 |
| Charge-off rate, seasoned cohorts | 14.2% |
| Loans that reached an outcome | 697 |
| Rank among industries | 96th 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. |
65 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 | evidenced | 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 Statistics of U.S. Businesses 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 |
|---|---|---|---|
| Automotive Service Technicians and Mechanics | 20.27% | 40.4× | 4 of 56 |
| Cleaners of Vehicles and Equipment | 5.88% | 20.3× | 1 of 56 |
| Parts Salespersons | 4.66% | 26.5× | 1 of 56 |
| Sales Managers | 2.74% | 6.9× | 34 of 56 |
| Retail Salespersons | 17.85% | 7.8× | 27 of 56 |
| First-Line Supervisors of Retail Sales Workers | 3.1% | 4.7× | 9 of 56 |
What this report cannot tell you
| Gap |
|---|
| licence gate — the only occupation matched is 'Automotive Service Technicians and Mechanics' at 20.27% of this industry's employment, licensed in 4 of 56 jurisdictions. Reported, but too narrow to be read as this industry's barrier to entry. |
| occupation mix for NAICS 441120 — 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 441100, a broader grouping. Establishment counts are for 441120 itself. |
| licence coverage — the register holds 54 of 56 US licensing jurisdictions, and 2,504 of its records carry no jurisdiction at all. A count of 4 is out of 54 searched, not out of 56. The unsearched jurisdictions are not evidence of no licence. |
| bonding_required_usd — no producer, and not estimated |