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

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