Operate · the United States
Underwriting: Other Activities Related to Credit Intermediation
What public records can and cannot establish about running this business in the United States, dimension by dimension, with the gaps named.
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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 522390
Scopethe United States
RubricO1.0-20260804
Pricedfree — no account, no gate
16th percentile of 287 industries
Where this industry stands
| Net formation, 5yr | Percentile | Reads as | Signal strength |
|---|---|---|---|
| -1.84% | 16th of 287 | shrinking hard | 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 | 71 |
| Median loan | $542,459 |
| Mean rate | 7.51% |
| Mean term | 126 months |
| Charged off | 8.3% |
2,997 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 593 | 19.8% | 19.8% | 57.0% |
| 100-499 | 1,312 | 43.8% | 63.6% | 34.2% |
| 500-999 | 371 | 12.4% | 75.9% | 33.4% |
| 1,000-2,499 | 288 | 9.6% | 85.6% | 32.2% |
| 2,500-4,999 | 133 | 4.4% | 90.0% | 32.3% |
| 5,000-7,499 | 45 | 1.5% | 91.5% | 28.7% |
| 7,500-9,999 | 30 | 1.0% | 92.5% | 29.5% |
| 10,000-14,999 | 36 | 1.2% | 93.7% | 30.6% |
| 15,000-19,999 | 20 | 0.7% | 94.4% | 35.1% |
| 20,000-24,999 | 9 | 0.3% | 94.7% | 44.2% |
| 25,000-29,999 | 7 | 0.2% | 94.9% | 29.2% |
| 30,000-34,999 | 12 | 0.4% | 95.3% | 27.5% |
| 35,000-39,999 | 8 | 0.3% | 95.6% | 28.1% |
| 40,000-49,999 | 15 | 0.5% | 96.1% | 30.9% |
| 50,000-74,999 | 21 | 0.7% | 96.8% | 27.6% |
| 75,000-99,999 | 10 | 0.3% | 97.1% | 32.7% |
| 100,000+ | 87 | 2.9% | 100.0% | 25.8% |
SBA 7(a) · FY2010–FY2026
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 71 |
| Median loan | $542,459 |
| Typical rate | 7.51% |
| Typical term | 126 months |
| Total approved | $31,904,000 |
| Charge-off rate, seasoned cohorts | 8.3% |
| Loans that reached an outcome | 36 |
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 | 9.32% | 45.8× | 27 of 56 |
| Securities, Commodities, and Financial Services Sales Agents | 10.75% | 41.9× | 23 of 56 |
| Financial Managers | 5.31% | 10.0× | 13 of 56 |
| Tellers | 12.97% | 59.2× | 10 of 56 |
| Loan Interviewers and Clerks | 5.48% | 43.4× | 7 of 56 |
| General and Operations Managers | 3.15% | 1.3× | 23 of 56 |
What this report cannot tell you
| Gap |
|---|
| licence titles in this scope — none matched 'Tellers', though it is licensed in 27 jurisdictions nationally. The title differs locally, or the record is held municipally. |
| occupation mix for NAICS 522390 — 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 522000, a broader grouping. Establishment counts are for 522390 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 |