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

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Involvement + Staff Dependency Is the owner providing direct care, scheduling, or client acquisition? Are staff caregivers full-time W-2, part-time, or 1099 contractors? Is staff capacity sufficient to maintain revenue post-sale? Has a replacement wage been applied for any … Continue reading Home Health Care Services Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Role + Service Dependency Does the owner provide the majority of client services? Is there a transition plan if clients follow the owner? Are there salaried stylists, or is it booth rental only? Has labor been normalized with market … Continue reading Hair Salon & Barbershop Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Labor + Owner Involvement Does the owner work full-time on the floor or at the register? Are family members involved without formal compensation? Has owner/operator labor been replaced with market wages? Is payroll adequate for full store coverage? Margins + … Continue reading Grocery Store Checklist

Use this checklist to assess businesses in this industry for SBA 7(a) lending and underwriting. Owner Role + Labor Normalization Does the owner do all floral design, ordering, and event planning? Are there trained designers or delivery staff in place? Has owner labor been replaced with market wages? Is the shop dependent on the owner’s … Continue reading Florist Checklist