Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👨‍🔧 Owner Dependency & Labor Risk Does the owner drive, dispatch, or perform recovery services personally? Has a market-based wage been applied for the owner’s labor hours? Is there a team of drivers with documented schedules and wages? Is a … Continue reading Towing Company Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Role + Labor Normalization Is the owner the sole therapist or primary service provider? Are associate PTs or assistants employed and fairly compensated? Has a market-based wage been applied for owner-provided care? Is there a transition plan in place … Continue reading Physical Therapy Clinic Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 👷 Owner Dependency & Estimating Risk Is the owner writing estimates, supervising crews, or dispatching jobs? Has a market-based wage been applied to replace the owner’s field role? Are estimating software, CRM, or job tracking systems in place and transferrable? … Continue reading Flood / Fire Restoration & Cleanup Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 🔍 Inventory + Collateral Risk Is inventory owned by the business or held as collateral for pawn loans? Are inventory levels reconciled with pawn ticket balances and redemption cycles? Are high-value items (jewelry, electronics) tracked with item-level data? 💵 Revenue … Continue reading Pawn Shop Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Dependency + Route Risk Does the owner run most or all service routes? Has their compensation been normalized to reflect market wages for a technician? Are there salaried technicians or support staff in place? Will customers remain after the … Continue reading Pest Control Business Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Compensation + Technical Oversight Is the owner an engineer or technician? If so, has their wage been normalized? Are they also managing production, QC, or customer relationships? Has a market wage replacement been included in cash flow analysis? CapEx … Continue reading Manufacturing Business Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Revenue Verification Are revenue estimates backed by machine logs or coin counts? Are card-based or app-based sales reconciled? Are vending, soap, or service machines included in revenue? Are seasonal or cyclical patterns disclosed and normalized? Owner Labor & Involvement Does … Continue reading Laundromat & Self-Service Facility Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Labor + Crew Review Does the owner perform field work, sales, and/or supervision? Has owner compensation been normalized to reflect true labor needs? Are there documented employees or just seasonal labor? Is route coverage sustainable post-sale? CapEx and Equipment … Continue reading Landscaping & Lawn Care Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Labor + Subcontractor Structure Does the owner personally perform cleaning tasks? Are subcontractors or W-2 employees used? Has labor been normalized for market rate? Is business continuity possible without the owner? Client Contracts + Revenue Stability Are contracts in … Continue reading Commercial Janitorial Services Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Key Review Areas Is owner compensation normalized based on technician vs. management roles? Are service contracts or recurring maintenance revenue documented? Are seasonality and weather variability considered in cash flow? Does the valuation adjust for one-time jobs or project-based spikes? … Continue reading HVAC Business Checklist