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

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 📄 Key Review Areas Has owner compensation been normalized? Is the buyer assuming full production or hiring an associate? Are hygiene and support staff roles documented? Are recurring insurance reimbursements normalized? Is revenue concentration tied to the dentist or to … Continue reading Dental Practice Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨‍💼 Owner Role + Staff Coverage Is the owner teaching, directing, or managing enrollment? Are there credentialed staff in place to replace the owner? Are staffing levels sufficient to meet licensed capacity? Is a director or assistant director formally employed … Continue reading Daycare & Childcare Center Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨‍💼 Owner Dependency + Transition Risk Does the owner personally manage most client relationships? Are staff members or associates available to support retention? Has a buyer salary been substituted for the owner’s draw? Is a transition plan included in the … Continue reading CPA / Accounting Firm Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨‍💼 Owner Labor & Replacement Risk Is the owner working full-time at the front counter or in operations? Has a fair market wage been applied to replace the owner’s labor? Are there documented staff roles or a manager in place? … Continue reading Copy Shop / Business Service Center Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨‍💼 Owner + Family Labor Normalization Does the owner work full-time or cover nights/weekends? Are family members involved without proper compensation? Has owner/operator labor been replaced with market wages? Is payroll adequate for full store coverage across all hours? 🏷️ … Continue reading Convenience Store Checklist