Operate · the United States
Underwriting: Automotive Body, Paint, and Interior Repair and Maintenance
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 811121
Scopethe United States
RubricO1.0-20260804
Pricedfree — no account, no gate
59th percentile of 287 industries
Where this industry stands
| Net formation, 5yr | Percentile | Reads as | Signal strength |
|---|---|---|---|
| +0.74% | 59th 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 | 2,825 |
| Median loan | $180,576 |
| Mean rate | 7.19% |
| Mean term | 160 months |
| Charged off | 4.1% |
31,351 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 3,891 | 12.4% | 12.4% | 32.6% |
| 100-499 | 10,646 | 34.0% | 46.4% | 26.6% |
| 500-999 | 6,157 | 19.6% | 66.0% | 26.6% |
| 1,000-2,499 | 6,954 | 22.2% | 88.2% | 28.0% |
| 2,500-4,999 | 2,369 | 7.6% | 95.7% | 28.7% |
| 5,000-7,499 | 584 | 1.9% | 97.6% | 29.1% |
| 7,500-9,999 | 210 | 0.7% | 98.3% | 28.8% |
| 10,000-14,999 | 159 | 0.5% | 98.8% | 27.7% |
| 15,000-19,999 | 35 | 0.1% | 98.9% | 24.7% |
| 20,000-24,999 | 36 | 0.1% | 99.0% | 28.3% |
| 25,000-29,999 | 21 | 0.1% | 99.1% | 30.3% |
| 30,000-34,999 | 19 | 0.1% | 99.1% | 25.1% |
| 35,000-39,999 | 11 | 0.0% | 99.2% | 25.5% |
| 40,000-49,999 | 23 | 0.1% | 99.2% | 28.6% |
| 50,000-74,999 | 43 | 0.1% | 99.4% | 31.0% |
| 75,000-99,999 | 22 | 0.1% | 99.5% | 26.6% |
| 100,000+ | 171 | 0.5% | 100.0% | 29.8% |
SBA 7(a) · FY2010–FY2026
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 2,825 |
| Median loan | $180,576 |
| Typical rate | 7.19% |
| Typical term | 160 months |
| Total approved | $1,269,684,000 |
| Charge-off rate, seasoned cohorts | 4.1% |
| Loans that reached an outcome | 1,258 |
| Rank among industries | 19th 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 |
|---|---|---|---|
| Automotive Body and Related Repairers | 33.35% | 246.1× | 2 of 56 |
| Coating, Painting, and Spraying Machine Setters, Operators, and Tenders | 8.79% | 78.3× | 1 of 56 |
| Cost Estimators | 5.64% | 33.9× | 1 of 56 |
| Automotive Glass Installers and Repairers | 5.33% | 319.7× | 1 of 56 |
| Cleaners of Vehicles and Equipment | 4.53% | 15.7× | 1 of 56 |
| General and Operations Managers | 5.87% | 2.4× | 23 of 56 |
| Office Clerks, General | 4.38% | 2.5× | 1 of 56 |
What this report cannot tell you
| Gap |
|---|
| licence gate — the only occupation matched is 'Automotive Body and Related Repairers' at 33.35% of this industry's employment, licensed in 2 of 56 jurisdictions. Reported, but too narrow to be read as this industry's barrier to entry. |
| occupation mix for NAICS 811121 — 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 811120, a broader grouping. Establishment counts are for 811121 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 2 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 |