Operate · the United States
Underwriting: Credit Bureaus
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 561450
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–FY2025
Can you borrow to buy one
| Measure | Value |
|---|---|
| Acquisition loans approved | 13 |
| Median loan | $183,889 |
| Mean rate | 8.03% |
| Mean term | 90 months |
| Charged off | — |
264 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 37 | 14.0% | 14.0% | 43.1% |
| 100-499 | 73 | 27.7% | 41.7% | 37.8% |
| 500-999 | 34 | 12.9% | 54.5% | 33.2% |
| 1,000-2,499 | 34 | 12.9% | 67.4% | 35.5% |
| 2,500-4,999 | 22 | 8.3% | 75.8% | 40.4% |
| 5,000-7,499 | 13 | 4.9% | 80.7% | 34.0% |
| 7,500-9,999 | 7 | 2.7% | 83.3% | 27.4% |
| 10,000-14,999 | 8 | 3.0% | 86.4% | 20.6% |
| 15,000-19,999 | 7 | 2.7% | 89.0% | 28.6% |
| 25,000-29,999 | 3 | 1.1% | 90.2% | 17.9% |
| 50,000-74,999 | 3 | 1.1% | 91.3% | 20.2% |
| 100,000+ | 23 | 8.7% | 100.0% | 33.2% |
SBA 7(a) · FY2010–FY2025
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 13 |
| Median loan | $183,889 |
| Typical rate | 8.03% |
| Typical term | 90 months |
| Total approved | $1,757,900 |
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 561450 — 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 561450 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 |