Express Credit Auto LLC
How we got $19.2M
Based on its 86 employees and its payroll, both reported for PPP in 2020 and brought up to date.
What we know
Signs of a sale Some signs of a sale
- In business 30 years (since 1996)
From public records and the company's website, not a statement that it's for sale.
What they do
Express Credit Auto is a buy here pay here used car dealership in Oklahoma City that provides in-house auto financing for used cars, trucks and SUVs, including for buyers with bad or no credit.
From the company's website. Industry: Car dealers.
Estimated value over time
▲ 20% 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 |
|---|---|---|
| EXPRESS CREDIT AUTO LLC this business | $121.8M | — |
| Car One Warr Acres | $22.5M | 0.1 mi |
| AUTO MARKET LLC Oklahoma City · 1 employees | $1.9M | 0.1 mi |
| Auto Select Oklahoma City | $22.5M | 0.1 mi |
| MOHAMMAD EIJADEY Oklahoma City · 2 employees | $3.5M | 0.1 mi |
| VENUS ENTERPRISES LLC Oklahoma City · 2 employees | $3.7M | 0.1 mi |
| Oklahoma City Volkswagen Oklahoma City | $22.5M | 0.1 mi |
The full calculation
| Employees reported to the SBA | 86 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $102.7M |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $111.1M |
| Estimate: the two combined (geometric mean) | $121.8M |
| EBITDA margin (industry, adjusted for size) | 4% |
| EBITDA = revenue × margin | $4.4M |
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 | $19.2M |
| Multiple for this size and industry | 4.4× |
| Value range | $10.1M – $26.3M |
| Revenue range | $80.1M – $138.9M |
| EBITDA range | $2.9M – $5.0M |
| Industry (NAICS) | Used Car Dealers (441120) |
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
“At Express Credit Auto, which has been helping Oklahomans since 1996, we reinvent buy here pay here.”
Advisors
- BankingBancFirstPPP / 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
| BancFirst PPP 2020, PPP 2021 | All 7,048 borrowers → |
From PPP and SBA loan records, which name the bank but not the individual banker.
PPP loans
| Approved | Draw | Amount | Jobs |
|---|---|---|---|
| 4/8/2020 | first | $843K | 71 |
| 2/25/2021 | second | $976K | 86 |
5 locations
| 4810 NW 39TH | Oklahoma City | This listing |
| 343 N Interstate Dr | Norman | View |
| 1 W I-240 Service Road | Oklahoma City | View |
| 9014 SE 29th St | Oklahoma City | View |
| 4215 S Memorial Dr | Tulsa | View |
Revenue, profit and value are for the whole company.
Public records
Matched to this business by name and address from public government data; a match can occasionally be wrong.
About Express Credit Auto LLC
Express Credit Auto LLC is a car dealers company in Oklahoma City, Oklahoma, in business since 1996. Its estimated annual revenue is about $121.8M, with roughly $4.4M of EBITDA. It has about 86 employees. Its estimated business value is $19.2M (likely range $10.1M–$26.3M). It has 5 locations.
Common questions
- Who owns Express Credit Auto LLC?
- The owner of Express Credit Auto LLC 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 Express Credit Auto LLC make?
- SeeBITDA estimates Express Credit Auto LLC's annual revenue at about $121.8M (likely between $80.1M and $138.9M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is Express Credit Auto LLC worth?
- About $19.2M, roughly 4.4× its estimated EBITDA of $4.4M, typical for a car dealers company its size. Likely range: $10.1M–$26.3M.
- How many employees does Express Credit Auto LLC have?
- About 86, as reported on its PPP loan.
- When was Express Credit Auto LLC founded?
- Express Credit Auto LLC has been in business since 1996.