Operate · the United States

Underwriting: Historical Sites

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 712120

Scopethe United States

RubricO1.0-20260804

Pricedfree — no account, no gate

61th percentile of 287 industries

Where this industry stands

Net formation, 5yr	Percentile	Reads as	Signal strength
+0.83%	61th of 287	forming faster than it is dying	ρ 0.57 across 4 backtested windows, 42.6pp decile separation

SBA 7(a) acquisition loans · FY2017–FY2026

Can you borrow to buy one

Measure	Value
Acquisition loans approved	2
Median loan	$32,500
Mean rate	7.0%
Mean term	102 months
Charged off	—

983 firms · Census SUSB 2022

What firms here actually earn

Revenue band ($000)	Firms	Share	Cumulative	Labour share of revenue
<100	212	21.6%	21.6%	35.0%
100-499	418	42.5%	64.1%	36.5%
500-999	134	13.6%	77.7%	34.3%
1,000-2,499	114	11.6%	89.3%	35.4%
2,500-4,999	51	5.2%	94.5%	33.5%
5,000-7,499	23	2.3%	96.8%	30.7%
7,500-9,999	9	0.9%	97.8%	40.4%
10,000-14,999	8	0.8%	98.6%	33.0%
15,000-19,999	4	0.4%	99.0%	25.1%
20,000-24,999	7	0.7%	99.7%	27.5%
50,000-74,999	3	0.3%	100.0%	31.1%

SBA 7(a) · FY2017–FY2026

Can an acquisition here be financed?

Measure	Value
SBA acquisition loans on record	2
Median loan	$32,500
Typical rate	7.0%
Typical term	102 months
Total approved	$65,000

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	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
Self-Enrichment Teachers	3.6%	17.6×	25 of 56
Animal Caretakers	4.66%	24.5×	18 of 56
Museum Technicians and Conservators	3.81%	471.1×	1 of 56
Security Guards	3.44%	3.3×	36 of 56
Retail Salespersons	3.18%	1.4×	27 of 56
General and Operations Managers	4.14%	1.7×	23 of 56

What this report cannot tell you

Gap
licence titles in this scope — none matched 'Animal Caretakers', though it is licensed in 25 jurisdictions nationally. The title differs locally, or the record is held municipally.
occupation mix for NAICS 712120 — 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 712100, a broader grouping. Establishment counts are for 712120 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 25 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