Big O Tires franchisee — High Desert Group
Multiple converging signals. Underwriter attention warranted this quarter.
31 computed points across the 90-day window. Decay-weighted aggregate of 9 raw signals.
Storefront dark during stated business hours (3 days)
Storefront dark during stated business hours (3 days)
What the fabric heard.
- Minerva Business Pulse8 days agosev 8
Storefront dark during stated business hours (3 days)
Google posted hours show Mon–Fri 8a–6p; on-site pings (3 consecutive days) show lights off, door locked, voicemail full.
- Permits / DBA / FBN Changes9 days agosev 7
New LLC formed at same address as expiring entity
Owner's existing LLC missed annual statement; new LLC formed at same suite, same registered agent, different name. Classic phoenix-entity workaround.
- UCC Filings12 days agosev 8
Three new MCA UCC-1 filings in 21 days
Three merchant-cash-advance lenders (Kapitus, Forward Financing, CFG Merchant Solutions) filed UCC-1s in last 3 weeks against same collateral pool. Classic MCA stacking distress pattern.
- Court Docket Scrape2 weeks agosev 5
Premises liability action — slip and fall, second this quarter
Second premises slip-and-fall action filed against same location in 90 days. Same plaintiff firm on both. Pattern flag.
- Permits / DBA / FBN Changes3 weeks agosev 7
New LLC formed at same address as expiring entity
Owner's existing LLC missed annual statement; new LLC formed at same suite, same registered agent, different name. Classic phoenix-entity workaround.
- Minerva Business Pulse4 weeks 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.
- Permits / DBA / FBN Changes2 months 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.
- Permits / DBA / FBN Changes2 months agosev 7
New LLC formed at same address as expiring entity
Owner's existing LLC missed annual statement; new LLC formed at same suite, same registered agent, different name. Classic phoenix-entity workaround.
- Permits / DBA / FBN Changes2 months 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.