Operate · the United States
Underwriting: Services for the Elderly and Persons with Disabilities
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 624120
Scopethe United States
RubricO1.0-20260804
Pricedfree — no account, no gate
96th percentile of 287 industries
Where this industry stands
| Net formation, 5yr | Percentile | Reads as | Signal strength |
|---|---|---|---|
| +4.40% | 96th 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 | 702 |
| Median loan | $187,706 |
| Mean rate | 7.27% |
| Mean term | 153 months |
| Charged off | 4.0% |
34,343 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 11,134 | 32.4% | 32.4% | 58.7% |
| 100-499 | 7,906 | 23.0% | 55.4% | 53.6% |
| 500-999 | 4,267 | 12.4% | 67.9% | 54.5% |
| 1,000-2,499 | 5,162 | 15.0% | 82.9% | 56.8% |
| 2,500-4,999 | 2,468 | 7.2% | 90.1% | 56.8% |
| 5,000-7,499 | 925 | 2.7% | 92.8% | 56.1% |
| 7,500-9,999 | 503 | 1.5% | 94.2% | 59.2% |
| 10,000-14,999 | 534 | 1.6% | 95.8% | 57.8% |
| 15,000-19,999 | 322 | 0.9% | 96.7% | 53.5% |
| 20,000-24,999 | 198 | 0.6% | 97.3% | 53.3% |
| 25,000-29,999 | 117 | 0.3% | 97.7% | 62.5% |
| 30,000-34,999 | 108 | 0.3% | 98.0% | 46.8% |
| 35,000-39,999 | 91 | 0.3% | 98.2% | 48.0% |
| 40,000-49,999 | 129 | 0.4% | 98.6% | 51.8% |
| 50,000-74,999 | 173 | 0.5% | 99.1% | 48.1% |
| 75,000-99,999 | 87 | 0.3% | 99.4% | 46.4% |
| 100,000+ | 219 | 0.6% | 100.0% | 36.2% |
SBA 7(a) · FY2010–FY2026
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 702 |
| Median loan | $187,706 |
| Typical rate | 7.27% |
| Typical term | 153 months |
| Total approved | $372,633,900 |
| Charge-off rate, seasoned cohorts | 4.0% |
| Loans that reached an outcome | 250 |
| Rank among industries | 17th 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 |
|---|---|---|---|
| Personal Care and Service Workers, All Other | 1.0% | 21.5× | 40 of 56 |
| Registered Nurses | 0.73% | 0.3× | 50 of 56 |
| Healthcare Social Workers | 0.63% | 4.9× | 48 of 56 |
| Nursing Assistants | 1.34% | 1.4× | 27 of 56 |
| General and Operations Managers | 0.57% | 0.2× | 23 of 56 |
| Social and Human Service Assistants | 1.39% | 4.6× | 7 of 56 |
| Social and Community Service Managers | 0.77% | 5.5× | 2 of 56 |
| Office Clerks, General | 0.69% | 0.4× | 1 of 56 |
What this report cannot tell you
| Gap |
|---|
| licence titles in this scope — none matched 'Personal Care and Service Workers, All Other', though it is licensed in 40 jurisdictions nationally. The title differs locally, or the record is held municipally. |
| 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 40 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 |