Operate · the United States
Underwriting: Offices of Bank Holding Companies
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; 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 551111
Scopethe United States
RubricO1.0-20260804
Pricedfree — no account, no gate
12th percentile of 287 industries
Where this industry stands
| Net formation, 5yr | Percentile | Reads as | Signal strength |
|---|---|---|---|
| -2.31% | 12th of 287 | shrinking hard | ρ 0.57 across 4 backtested windows, 42.6pp decile separation |
SBA 7(a) acquisition loans · FY2020–FY2022
Can you borrow to buy one
| Measure | Value |
|---|---|
| Acquisition loans approved | 2 |
| Median loan | $481,000 |
| Mean rate | 7.13% |
| Mean term | 120 months |
| Charged off | — |
581 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 13 | 2.2% | 2.2% | 60.4% |
| 100-499 | 20 | 3.4% | 5.7% | 32.2% |
| 500-999 | 10 | 1.7% | 7.4% | 18.7% |
| 1,000-2,499 | 17 | 2.9% | 10.3% | 64.1% |
| 2,500-4,999 | 44 | 7.6% | 17.9% | 72.8% |
| 5,000-7,499 | 37 | 6.4% | 24.3% | 31.4% |
| 7,500-9,999 | 32 | 5.5% | 29.8% | 38.6% |
| 10,000-14,999 | 67 | 11.5% | 41.3% | 22.9% |
| 15,000-19,999 | 37 | 6.4% | 47.7% | 13.4% |
| 20,000-24,999 | 39 | 6.7% | 54.4% | 13.2% |
| 25,000-29,999 | 23 | 4.0% | 58.3% | 13.3% |
| 30,000-34,999 | 19 | 3.3% | 61.6% | 25.3% |
| 35,000-39,999 | 26 | 4.5% | 66.1% | 18.4% |
| 40,000-49,999 | 27 | 4.6% | 70.7% | 33.0% |
| 50,000-74,999 | 48 | 8.3% | 79.0% | 22.9% |
| 75,000-99,999 | 24 | 4.1% | 83.1% | 29.8% |
| 100,000+ | 98 | 16.9% | 100.0% | 15.3% |
SBA 7(a) · FY2020–FY2022
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 2 |
| Median loan | $481,000 |
| Typical rate | 7.13% |
| Typical term | 120 months |
| Total approved | $962,000 |
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 | evidenced | not backtested | USASpending.gov — searched, zero awards |
| 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 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 |
|---|---|---|---|
| Accountants and Auditors | 3.7% | 3.9× | 49 of 56 |
| General and Operations Managers | 4.33% | 1.8× | 23 of 56 |
| Financial Managers | 3.29% | 6.2× | 13 of 56 |
| Computer and Information Systems Managers | 2.53% | 5.9× | 8 of 56 |
| Bookkeeping, Accounting, and Auditing Clerks | 2.78% | 2.8× | 2 of 56 |
| Software Developers | 3.52% | 3.2× | 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 551111 — 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 551100, a broader grouping. Establishment counts are for 551111 itself. |
| bonding_required_usd — no producer, and not estimated |