Operate · the United States
Underwriting: Bed-and-Breakfast Inns
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 721191
Scopethe United States
RubricO1.0-20260804
Pricedfree — no account, no gate
55th percentile of 287 industries
Where this industry stands
| Net formation, 5yr | Percentile | Reads as | Signal strength |
|---|---|---|---|
| +0.51% | 55th of 287 | roughly in balance | 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 | 329 |
| Median loan | $425,800 |
| Mean rate | 6.93% |
| Mean term | 219 months |
| Charged off | 3.2% |
2,422 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 516 | 21.3% | 21.3% | 33.4% |
| 100-499 | 1,182 | 48.8% | 70.1% | 23.4% |
| 500-999 | 401 | 16.6% | 86.7% | 25.8% |
| 1,000-2,499 | 251 | 10.4% | 97.0% | 29.9% |
| 2,500-4,999 | 50 | 2.1% | 99.1% | 33.1% |
| 5,000-7,499 | 13 | 0.5% | 99.6% | 30.8% |
| 10,000-14,999 | 6 | 0.2% | 99.9% | 38.1% |
| 100,000+ | 3 | 0.1% | 100.0% | 14.8% |
SBA 7(a) · FY2010–FY2026
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 329 |
| Median loan | $425,800 |
| Typical rate | 6.93% |
| Typical term | 219 months |
| Total approved | $209,831,400 |
| Charge-off rate, seasoned cohorts | 3.2% |
| Loans that reached an outcome | 190 |
| Rank among industries | 10th 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 |
|---|---|---|---|
| Maids and Housekeeping Cleaners | 21.62% | 38.4× | 6 of 56 |
| Hotel, Motel, and Resort Desk Clerks | 12.56% | 74.4× | 2 of 56 |
| Bartenders | 2.59% | 4.4× | 11 of 56 |
| Waiters and Waitresses | 7.21% | 3.5× | 8 of 56 |
| Janitors and Cleaners, Except Maids and Housekeeping Cleaners | 2.37% | 1.7× | 8 of 56 |
| Cooks, Restaurant | 3.83% | 3.0× | 7 of 56 |
| Maintenance and Repair Workers, General | 4.62% | 5.0× | 4 of 56 |
| Dining Room and Cafeteria Attendants and Bartender Helpers | 2.89% | 6.6× | 2 of 56 |
What this report cannot tell you
| Gap |
|---|
| licence titles in this scope — none matched 'Maids and Housekeeping Cleaners', though it is licensed in 6 jurisdictions nationally. The title differs locally, or the record is held municipally. |
| occupation mix for NAICS 721191 — 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 721100, a broader grouping. Establishment counts are for 721191 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 6 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 |