Operate · the United States

Underwriting: One-Hour Photofinishing

What public records can and cannot establish about running this business in the United States, dimension by dimension, with the gaps named.

— not scored

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NOT SCORED. 80 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 812922

Scopethe United States

RubricO1.0-20260804

Pricedfree — no account, no gate

97th percentile of 287 industries

Where this industry stands

Net formation, 5yr	Percentile	Reads as	Signal strength
+5.24%	97th 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–FY2022

Can you borrow to buy one

Measure	Value
Acquisition loans approved	3
Median loan	$177,600
Mean rate	4.85%
Mean term	156 months
Charged off	—

94 firms · Census SUSB 2022

What firms here actually earn

Revenue band ($000)	Firms	Share	Cumulative	Labour share of revenue
<100	29	30.9%	30.9%	34.3%
100-499	49	52.1%	83.0%	28.0%
500-999	12	12.8%	95.7%	25.2%
1,000-2,499	4	4.3%	100.0%	25.1%

SBA 7(a) · FY2010–FY2022

Can an acquisition here be financed?

Measure	Value
SBA acquisition loans on record	3
Median loan	$177,600
Typical rate	4.85%
Typical term	156 months
Total approved	$532,800

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.

80 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	evidenced	not backtested	USASpending.gov — searched, zero awards
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
Animal Caretakers	33.82%	178.0×	18 of 56
Animal Trainers	2.16%	179.2×	12 of 56
Parking Attendants	16.75%	206.8×	1 of 56
General and Operations Managers	4.23%	1.7×	23 of 56
Receptionists and Information Clerks	2.53%	3.7×	1 of 56

What this report cannot tell you

Gap
licence titles in this scope — none matched 'Animal Caretakers', though it is licensed in 18 jurisdictions nationally. The title differs locally, or the record is held municipally.
occupation mix for NAICS 812922 — 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 812900, a broader grouping. Establishment counts are for 812922 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 18 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