Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Involvement + Staff Dependency Is the owner providing direct care, scheduling, or client acquisition? Are staff caregivers full-time W-2, part-time, or 1099 contractors? Is staff capacity sufficient to maintain revenue post-sale? Has a replacement wage been applied for any … Continue reading Home Health Care Services Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Role + Service Dependency Does the owner provide the majority of client services? Is there a transition plan if clients follow the owner? Are there salaried stylists, or is it booth rental only? Has labor been normalized with market … Continue reading Hair Salon & Barbershop Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Labor + Owner Involvement Does the owner work full-time on the floor or at the register? Are family members involved without formal compensation? Has owner/operator labor been replaced with market wages? Is payroll adequate for full store coverage? Margins + … Continue reading Grocery Store Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Role + Labor Normalization Does the owner do all floral design, ordering, and event planning? Are there trained designers or delivery staff in place? Has owner labor been replaced with market wages? Is the shop dependent on the owner’s … Continue reading Florist Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Dependency + Labor Normalization Is the owner the lead trainer or class instructor? Have market-based replacement wages been used? Are other instructors full-time W-2 or part-time/contracted? Would member retention suffer without the owner? Membership + Revenue Review Is revenue … Continue reading Fitness Centers & Gyms Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 📄 Inventory and Working Capital Review Is inventory turnover within industry norms? Are slow-moving or obsolete SKUs identified and excluded? Is inventory valued at cost, market, or overstated? Has working capital been normalized in cash flow or included in value? … Continue reading Industrial Equipment Distributor Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 🧑‍🏫 Licensing, Owner Dependency & Staffing Is the owner the only licensed professional engineer (PE) in the firm? Has a market-rate replacement wage been applied for the owner’s technical and managerial role? Is there junior staff or succession planning in … Continue reading Engineering Consulting Firm Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨‍💼 Owner Role + Licensing Dependency Is the owner a licensed master electrician? Do they personally handle service calls or estimates? Is a licensed replacement or transition plan in place? Has a fair market wage been substituted for technical labor? … Continue reading Electrical Contractor Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 🏷️ Platform Dependence + Sales Channels Are sales concentrated on one platform (Amazon, Etsy, etc.)? Does the business have direct access to customer data? Is there a branded website or diversified traffic sources? Are platform policies or rankings a key … Continue reading E-commerce (Physical Products) Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨‍💼 Owner Labor & Front-End Dependency Is the owner managing front counter, customer service, or tagging? Has labor been normalized for replacement cost? Are actual operating hours disclosed? Does the business function without owner presence? 📊 Revenue Streams & Route … Continue reading Dry Cleaners Checklist