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

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 veterinarian (DVM)? Are associate vets or technicians employed? Has the owner's clinical labor been normalized? Is client goodwill tied to the DVM or the clinic? Revenue Structure + Patient … Continue reading Veterinary Clinic Checklist

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