Operate · the United States
Underwriting: Funeral Homes and Funeral Services
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 812210
Scopethe United States
RubricO1.0-20260804
Pricedfree — no account, no gate
36th percentile of 287 industries
Where this industry stands
| Net formation, 5yr | Percentile | Reads as | Signal strength |
|---|---|---|---|
| -0.57% | 36th 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–FY2026
Can you borrow to buy one
| Measure | Value |
|---|---|
| Acquisition loans approved | 1,664 |
| Median loan | $558,382 |
| Mean rate | 6.8% |
| Mean term | 207 months |
| Charged off | 2.0% |
10,723 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 610 | 5.7% | 5.7% | 27.3% |
| 100-499 | 2,440 | 22.8% | 28.4% | 23.7% |
| 500-999 | 3,056 | 28.5% | 56.9% | 23.9% |
| 1,000-2,499 | 3,440 | 32.1% | 89.0% | 26.1% |
| 2,500-4,999 | 823 | 7.7% | 96.7% | 27.1% |
| 5,000-7,499 | 181 | 1.7% | 98.4% | 27.5% |
| 7,500-9,999 | 74 | 0.7% | 99.1% | 28.4% |
| 10,000-14,999 | 44 | 0.4% | 99.5% | 25.1% |
| 15,000-19,999 | 20 | 0.2% | 99.7% | 25.7% |
| 20,000-24,999 | 12 | 0.1% | 99.8% | 20.9% |
| 25,000-29,999 | 7 | 0.1% | 99.9% | 29.7% |
| 40,000-49,999 | 4 | 0.0% | 99.9% | 17.6% |
| 50,000-74,999 | 3 | 0.0% | 99.9% | 28.8% |
| 100,000+ | 9 | 0.1% | 100.0% | 25.0% |
SBA 7(a) · FY2010–FY2026
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 1,664 |
| Median loan | $558,382 |
| Typical rate | 6.8% |
| Typical term | 207 months |
| Total approved | $1,499,049,000 |
| Charge-off rate, seasoned cohorts | 2.0% |
| Loans that reached an outcome | 806 |
| Rank among industries | 5th 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 |
|---|---|---|---|
| Morticians, Undertakers, and Funeral Arrangers | 18.81% | 1143.8× | 45 of 56 |
| Funeral Home Managers | 9.67% | 1151.2× | 45 of 56 |
| Embalmers | 2.48% | 1138.2× | 30 of 56 |
| Funeral Attendants | 22.48% | 1148.6× | 13 of 56 |
| Landscaping and Groundskeeping Workers | 9.43% | 11.9× | 8 of 56 |
| Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel | 2.43% | 3.0× | 24 of 56 |
| Office Clerks, General | 6.21% | 3.6× | 1 of 56 |
| Secretaries and Administrative Assistants, Except Legal, Medical, and Executive | 5.76% | 4.9× | 1 of 56 |
What this report cannot tell you
| Gap |
|---|
| licence titles in this scope — none matched 'Funeral Attendants', though it is licensed in 45 jurisdictions nationally. The title differs locally, or the record is held municipally. |
| occupation mix for NAICS 812210 — 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 812200, a broader grouping. Establishment counts are for 812210 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 45 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 |