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

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. 📄 Contract Recurrence & Revenue Quality Are contracts fixed-fee, usage-based, or T&M (time & materials)? Are contracts auto-renewing or cancel-anytime? Are contract lengths and termination clauses disclosed? Is churn rate or average client tenure documented? 👨‍💻 Owner Dependency & Tech … Continue reading IT Managed Services Provider (MSP) Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Licensing + Owner Dependency Is the owner a licensed injector (MD, PA, RN)? Are other licensed staff employed and active? Is the business overly reliant on the owner's skill or brand? Has owner clinical labor been normalized in cash flow? … Continue reading Med Spa & Cosmetic Clinic Checklist