Carpe Living Risk
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Hair salon chain

Sport Clips franchisee — Tri-State Cuts LLC

5275 W Diversey Ave, Chicago, IL 60639·Founded 2009·102 employees·$9.2M revenue
39.1
Watch
0.8 pts (7d)·updated 2h ago
Live · 90-day window
Tier
Watch

Early-stage drift. Monitor closely; one new signal could push higher.

Score history
39.1
7d Δ -0.8 · 30d high 41.5 · low 35.9

31 computed points across the 90-day window. Decay-weighted aggregate of 7 raw signals.

Top signals (30d)
3

Permit pulled for 'change of use' on insured premises

Critical signals (sev ≥ 8)
0

Nothing critical on file.

Signal timeline · last 90 days

What the fabric heard.

  1. Permits / DBA / FBN Changes2 days agosev 5

    Permit pulled for 'change of use' on insured premises

    City permit filed converting insured warehouse to mixed retail. Conflicts with declared occupancy on bound policy; reclassification likely.

  2. Minerva Business Pulse4 days agosev 4

    Operating hours quietly cut by ~30%

    Posted hours shrank from 70/wk to 49/wk over 30 days. Closes Sundays and Mondays now. Consistent with cash-flow pressure.

  3. UCC Filings3 weeks agosev 6

    UCC-3 terminations on 4 of 11 tractors — equipment leaving fleet

    UCC-3 termination statements filed against 4 of 11 secured tractors over 30 days. Suggests fleet downsizing or asset sale, not normal refinance pattern.

  4. Minerva Business Pulse5 weeks agosev 3

    Google Business Profile owner email rotated

    Verified-owner email changed on Google Business Profile; new contact does not match registered ownership records.

  5. LinkedIn Headcount Delta6 weeks agosev 7

    Director of Safety departed; no replacement in 45 days

    Director of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.

  6. UCC Filings7 weeks agosev 5

    Switched primary AR factor mid-quarter

    UCC-3 swap from RTS Financial to Triumph Business Capital mid-quarter. Indicates aging-AR pressure or breached covenants with prior factor.

  7. UCC Filings2 months agosev 6

    UCC-3 terminations on 4 of 11 tractors — equipment leaving fleet

    UCC-3 termination statements filed against 4 of 11 secured tractors over 30 days. Suggests fleet downsizing or asset sale, not normal refinance pattern.