Operate · the United States
Underwriting: Commercial Photography
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 541922
Scopethe United States
RubricO1.0-20260804
Pricedfree — no account, no gate
83th percentile of 287 industries
Where this industry stands
| Net formation, 5yr | Percentile | Reads as | Signal strength |
|---|---|---|---|
| +2.66% | 83th of 287 | forming much faster than it is dying | 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 | 309 |
| Median loan | $95,912 |
| Mean rate | 7.65% |
| Mean term | 120 months |
| Charged off | 5.2% |
4,899 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 1,415 | 28.9% | 28.9% | 31.5% |
| 100-499 | 2,500 | 51.0% | 79.9% | 27.1% |
| 500-999 | 534 | 10.9% | 90.8% | 27.3% |
| 1,000-2,499 | 286 | 5.8% | 96.7% | 25.6% |
| 2,500-4,999 | 93 | 1.9% | 98.6% | 25.1% |
| 5,000-7,499 | 32 | 0.7% | 99.2% | 24.4% |
| 7,500-9,999 | 7 | 0.1% | 99.3% | 37.7% |
| 10,000-14,999 | 15 | 0.3% | 99.7% | 23.3% |
| 15,000-19,999 | 4 | 0.1% | 99.7% | 23.0% |
| 20,000-24,999 | 4 | 0.1% | 99.8% | 24.9% |
| 40,000-49,999 | 3 | 0.1% | 99.9% | 13.8% |
| 100,000+ | 6 | 0.1% | 100.0% | 44.3% |
SBA 7(a) · FY2010–FY2026
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 309 |
| Median loan | $95,912 |
| Typical rate | 7.65% |
| Typical term | 120 months |
| Total approved | $67,934,600 |
| Charge-off rate, seasoned cohorts | 5.2% |
| Loans that reached an outcome | 134 |
| Rank among industries | 32th 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 |
|---|---|---|---|
| Photographers | 53.04% | 1333.3× | 1 of 56 |
| Camera Operators, Television, Video, and Film | 2.31% | 140.1× | 1 of 56 |
| Retail Salespersons | 2.72% | 1.2× | 27 of 56 |
| Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel | 3.0% | 3.8× | 24 of 56 |
| General and Operations Managers | 5.69% | 2.3× | 23 of 56 |
| Office Clerks, General | 5.74% | 3.3× | 1 of 56 |
What this report cannot tell you
| Gap |
|---|
| licence gate — the only occupation matched is 'Photographers' at 53.04% of this industry's employment, licensed in 1 of 56 jurisdictions. Reported, but too narrow to be read as this industry's barrier to entry. |
| licence titles in this scope — none matched 'Photographers', though it is licensed in 1 jurisdictions nationally. The title differs locally, or the record is held municipally. |
| occupation mix for NAICS 541922 — 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 541920, a broader grouping. Establishment counts are for 541922 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 1 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 |