Courtesy Finance Holding Co., L.L.C.
How we got $84.1M
Based on its 82 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 |
|---|---|---|
| COURTESY FINANCE HOLDING CO., L.L.C. this business | $34.3M | — |
| LOYAL LOANS HOLDING CO. LLC Shawnee · 17 employees | $9.6M | 0.0 mi |
| TOWER FINANCE HOLDING COMPANY, L.L.C. Shawnee · 44 employees | $23.7M | 0.0 mi |
| J READY L.L.C. Chandler · 1 employees | $736K | 23.1 mi |
| BREWER AND BREWER INC Oklahoma City · 4 employees | $3.0M | 26.6 mi |
| FLASH CASH OF MWC INC Midwest City · 3 employees | $2.2M | 27.2 mi |
| SUPERPAWN #2 INC. Oklahoma City · 7 employees | $5.2M | 28.1 mi |
The full calculation
| Employees reported to the SBA | 82 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $33.2M |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $27.2M |
| Estimate: the two combined (geometric mean) | $34.3M |
| EBITDA margin (industry, adjusted for size) | 33% |
| EBITDA = revenue × margin | $11.2M |
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 | $84.1M |
| Multiple for this size and industry | 7.5× |
| Value range | $44.2M – $115.0M |
| Revenue range | $22.5M – $39.1M |
| EBITDA range | $7.4M – $12.8M |
| Industry (NAICS) | Consumer Lending (522291) |
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
People & advisors
Advisors
- BankingFirst United Bank and Trust CompanyPPP / 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 Roles are as stated there and may be out of date.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
| First United Bank and Trust Company PPP 2020 | All 2,229 borrowers → |
From PPP and SBA loan records, which name the bank but not the individual banker.
PPP loans
| Approved | Draw | Amount | Jobs |
|---|---|---|---|
| 4/5/2020 | first | $756K | 82 |
About Courtesy Finance Holding Co., L.L.C.
Courtesy Finance Holding Co., L.L.C. is a consumer lending company in Shawnee, Oklahoma. Its estimated annual revenue is about $34.3M, with roughly $11.2M of EBITDA. It has about 82 employees. Its estimated business value is $84.1M (likely range $44.2M–$115.0M).
Common questions
- Who owns Courtesy Finance Holding Co., L.L.C.?
- The owner of Courtesy Finance Holding Co., 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 Courtesy Finance Holding Co., L.L.C. make?
- SeeBITDA estimates Courtesy Finance Holding Co., L.L.C.'s annual revenue at about $34.3M (likely between $22.5M and $39.1M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is Courtesy Finance Holding Co., L.L.C. worth?
- About $84.1M, roughly 7.5× its estimated EBITDA of $11.2M, typical for a consumer lending company its size. Likely range: $44.2M–$115.0M.
- How many employees does Courtesy Finance Holding Co., L.L.C. have?
- About 82, as reported on its PPP loan.