Certified Credit Financial, L.L.C.
How we got $474K
Based on its 2 employees and its payroll, both reported for PPP in 2020 and brought up to date.
What we know
Estimated value over time
▲ 19% since 2020Today's estimate scaled by the headcount reported each year and that year's prices. A trend, not a record of past sale values.
Compared with similar businesses nearby
| Business | Est. revenue | Distance |
|---|---|---|
| CERTIFIED CREDIT FINANCIAL, L.L.C. this business | $4.8M | — |
| KYLE MCCORMACK LLC Oklahoma City · 21 employees | $22.6M | 0.0 mi |
| RAY HIBDON'S CAR CHOICE LLC Oklahoma City · 3 employees | $6.2M | 0.1 mi |
| RAY HIBDON'S CARCHOICE, L.L.C. Oklahoma City · 3 employees | $6.5M | 0.1 mi |
| Victory Used Cars Oklahoma City | $22.7M | 0.1 mi |
| Aldana's Auto Sales Oklahoma City | $22.7M | 0.1 mi |
| Homes To Go Oklahoma City | $22.7M | 0.1 mi |
The full calculation
| Employees reported to the SBA | 2 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $4.5M |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $3.9M |
| Estimate: the two combined (geometric mean) | $4.8M |
| EBITDA margin (industry, adjusted for size) | 5% |
| EBITDA = revenue × margin | $237K |
Figures are shown toward the upper part of their range rather than at its middle.
Brought up to date assuming revenue has grown 8% a year since 2020, when the PPP figures were reported; included above.
| Estimated value = EBITDA × typical sale multiple | $474K |
| Multiple for this size and industry | 2× |
| Value range | $250K – $649K |
| Revenue range | $3.1M – $5.4M |
| EBITDA range | $156K – $270K |
| Industry (NAICS) | New Car Dealers (441110) |
EBITDA margin: from IRS tax returns of S corporations in this industry (2019–2022), adjusted for company size: smaller companies typically run higher margins. EBITDA here is after owners' salaries.
Benchmarks: US Economic Census 2022, OK. PPP loans were sized on 2019–2020 payroll, so figures reflect that period. These are statistical estimates, not reported financials. Full methodology
History & advisors
Advisors
- BankingLegacy BankPPP / SBA lender
From the company's own website and public filings (DOL Form 5500, IRS Form 990, SBA). Roles are as stated there and may be out of date.
Banking relationships
| Legacy Bank PPP 2020, PPP 2021 | All 727 borrowers → |
From PPP and SBA loan records, which name the bank but not the individual banker.
PPP loans
| Approved | Draw | Amount | Jobs |
|---|---|---|---|
| 4/9/2020 | first | $30K | 2 |
| 1/19/2021 | second | $30K | 2 |
About Certified Credit Financial, L.L.C.
Certified Credit Financial, L.L.C. is a car dealers company in Oklahoma City, Oklahoma. Its estimated annual revenue is about $4.8M, with roughly $237K of EBITDA. It has about 2 employees. Its estimated business value is $474K (likely range $250K–$649K).
Common questions
- Who owns Certified Credit Financial, L.L.C.?
- The owner of Certified Credit Financial, L.L.C. isn't in public records we've found yet. If you own or run the business, you can add or correct its details on SeeBITDA.
- How much revenue does Certified Credit Financial, L.L.C. make?
- SeeBITDA estimates Certified Credit Financial, L.L.C.'s annual revenue at about $4.8M (likely between $3.1M and $5.4M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is Certified Credit Financial, L.L.C. worth?
- About $474K, roughly 2× its estimated EBITDA of $237K, typical for a car dealers company its size. Likely range: $250K–$649K.
- How many employees does Certified Credit Financial, L.L.C. have?
- About 2, as reported on its PPP loan.