Operate · the United States

Underwriting: Consumer Lending

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 522291

Scopethe United States

RubricO1.0-20260804

Pricedfree — no account, no gate

21th percentile of 287 industries

Where this industry stands

Net formation, 5yr	Percentile	Reads as	Signal strength
-1.33%	21th of 287	dying faster than it is forming	ρ 0.57 across 4 backtested windows, 42.6pp decile separation

SBA 7(a) acquisition loans · FY2014–FY2024

Can you borrow to buy one

Measure	Value
Acquisition loans approved	12
Median loan	$152,450
Mean rate	7.88%
Mean term	122 months
Charged off	—

2,794 firms · Census SUSB 2022

What firms here actually earn

Revenue band ($000)	Firms	Share	Cumulative	Labour share of revenue
<100	381	13.6%	13.6%	37.6%
100-499	1,059	37.9%	51.5%	31.4%
500-999	411	14.7%	66.2%	27.0%
1,000-2,499	368	13.2%	79.4%	24.9%
2,500-4,999	180	6.4%	85.9%	23.1%
5,000-7,499	75	2.7%	88.5%	22.9%
7,500-9,999	51	1.8%	90.4%	21.3%
10,000-14,999	45	1.6%	92.0%	29.9%
15,000-19,999	32	1.1%	93.1%	24.1%
20,000-24,999	20	0.7%	93.8%	34.3%
25,000-29,999	12	0.4%	94.3%	19.5%
30,000-34,999	4	0.1%	94.4%	33.7%
35,000-39,999	13	0.5%	94.9%	18.3%
40,000-49,999	9	0.3%	95.2%	21.6%
50,000-74,999	14	0.5%	95.7%	18.5%
75,000-99,999	22	0.8%	96.5%	19.3%
100,000+	98	3.5%	100.0%	13.6%

SBA 7(a) · FY2014–FY2024

Can an acquisition here be financed?

Measure	Value
SBA acquisition loans on record	12
Median loan	$152,450
Typical rate	7.88%
Typical term	122 months
Total approved	$1,654,600

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
Loan Officers	20.01%	98.3×	27 of 56
Securities, Commodities, and Financial Services Sales Agents	4.1%	16.0×	23 of 56
Financial Managers	4.9%	9.2×	13 of 56
Loan Interviewers and Clerks	13.27%	105.0×	7 of 56
Retail Salespersons	2.89%	1.3×	27 of 56
General and Operations Managers	5.44%	2.2×	23 of 56

What this report cannot tell you

Gap
occupation mix for NAICS 522291 — 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 522290, a broader grouping. Establishment counts are for 522291 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 27 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