Operate · the United States
Underwriting: Collection Agencies
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 561440
Scopethe United States
RubricO1.0-20260804
Pricedfree — no account, no gate
34th percentile of 287 industries
Where this industry stands
| Net formation, 5yr | Percentile | Reads as | Signal strength |
|---|---|---|---|
| -0.72% | 34th of 287 | dying faster than it is forming | 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 | 181 |
| Median loan | $306,988 |
| Mean rate | 7.08% |
| Mean term | 121 months |
| Charged off | 6.0% |
2,557 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 320 | 12.5% | 12.5% | 40.6% |
| 100-499 | 741 | 29.0% | 41.5% | 40.3% |
| 500-999 | 363 | 14.2% | 55.7% | 38.9% |
| 1,000-2,499 | 466 | 18.2% | 73.9% | 37.7% |
| 2,500-4,999 | 245 | 9.6% | 83.5% | 37.3% |
| 5,000-7,499 | 109 | 4.3% | 87.8% | 39.6% |
| 7,500-9,999 | 52 | 2.0% | 89.8% | 37.9% |
| 10,000-14,999 | 60 | 2.3% | 92.1% | 39.1% |
| 15,000-19,999 | 28 | 1.1% | 93.2% | 30.8% |
| 20,000-24,999 | 24 | 0.9% | 94.2% | 35.2% |
| 25,000-29,999 | 21 | 0.8% | 95.0% | 37.8% |
| 30,000-34,999 | 10 | 0.4% | 95.4% | 50.3% |
| 35,000-39,999 | 9 | 0.4% | 95.7% | 26.4% |
| 40,000-49,999 | 19 | 0.7% | 96.5% | 40.9% |
| 50,000-74,999 | 15 | 0.6% | 97.1% | 40.8% |
| 75,000-99,999 | 11 | 0.4% | 97.5% | 24.0% |
| 100,000+ | 64 | 2.5% | 100.0% | 31.3% |
SBA 7(a) · FY2010–FY2026
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 181 |
| Median loan | $306,988 |
| Typical rate | 7.08% |
| Typical term | 121 months |
| Total approved | $104,687,700 |
| Charge-off rate, seasoned cohorts | 6.0% |
| Loans that reached an outcome | 116 |
| Rank among industries | 42th 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 |
|---|---|---|---|
| Bill and Account Collectors | 6.03% | 55.2× | 17 of 56 |
| Telemarketers | 6.68% | 157.8× | 1 of 56 |
| Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel | 3.28% | 4.1× | 24 of 56 |
| General and Operations Managers | 3.21% | 1.3× | 23 of 56 |
What this report cannot tell you
| Gap |
|---|
| licence titles in this scope — none matched 'Customer Service Representatives', though it is licensed in 17 jurisdictions nationally. The title differs locally, or the record is held municipally. |
| occupation mix for NAICS 561440 — 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 561400, a broader grouping. Establishment counts are for 561440 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 17 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 |