Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨‍🍳 Owner Involvement & Labor Normalization Is the owner acting as GM or floating between locations? Has a fair market wage been applied for owner oversight and labor? Are GMs or salaried managers in place at each location? Is staffing … Continue reading Multi-Unit Fast Food Franchise Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Dependency & Relationship Risk Is the owner the primary contact for clients or HOAs? Are key relationships institutionalized or personal? Can accounts transfer without owner involvement? Have hours and duties been normalized in cash flow? Client Contracts & Retention … Continue reading Property Management Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Role + Labor Structure Does the owner manage growing, retail, and event functions? Are farm staff or retail employees in place? Has labor been normalized for market roles? Is the business reliant on owner horticultural skill? Revenue + Seasonality … Continue reading Urban Farm & Garden Retail Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Role + Labor Normalization Does the owner clean pools or manage routes personally? Are route technicians paid market wages or 1099 contractors? Has a fair market wage been applied to owner labor? Is there a backup crew or transition … Continue reading Pool Cleaning & Maintenance Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Role + Licensing Review Is the owner the only licensed plumber? Do they perform service calls, estimates, dispatch, or scheduling? Has labor been normalized to include replacement plumbers? Will the business retain licensing and certifications post-sale? Revenue + Job … Continue reading Plumbing Company Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Dependency + Credentialing Is the owner the sole provider of billable services? Can another licensed professional step in immediately? Are there credentialing, NPI, or license-transfer barriers? Has a fair market salary been substituted for owner services? Payer Mix + … Continue reading Physician & Medical Practice Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 🧑‍⚕️ Licensing, Ownership & Staff Coverage Is the owner a licensed pharmacist and the primary person filling prescriptions? Is there a buyer in place with a valid pharmacy license or transition plan? Has a market-based wage been applied to replace … Continue reading Pharmacy Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Dependency + Service Risk Does the owner handle grooming, boarding intake, or customer service? Are staff W-2 employees, 1099 contractors, or unpaid family? Has labor been normalized with market wages for groomers and kennel staff? Is goodwill tied to … Continue reading Pet Boarding & Grooming Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Role + Licensing Risk Is the owner the sole licensed optometrist? Are there associate ODs or succession plans? Has a fair market wage been applied to clinical work? Is patient care dependent on the owner's personal brand or referrals? … Continue reading Optometry Practice Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 🧑‍🔧 Owner Dependency & Labor Normalization Is the owner performing driving, dispatch, or maintenance duties? Has a market-based wage been applied for any owner labor? Are backup drivers or dispatchers on staff and paid at market rates? Is there a … Continue reading Non-Emergency Medical Transportation (NEMT) Checklist