Fine Liner, Inc.
How we got $1.1M
Based on its 13 employees and its payroll, both reported for PPP in 2020 and brought up to date.
What we know
Estimated value over time
▲ 36% 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 |
|---|---|---|
| FINE LINER, INC. this business | $4.4M | — |
| SOVEREIGN ELECTRIC INC. Oklahoma City · 5 employees | $1.2M | 0.6 mi |
| David's Plumbing Oklahoma City | $1.8M | 0.7 mi |
| MKC ENERGY LLC Oklahoma City · 2 employees | $580K | 0.9 mi |
| PLUMBWORX LLC Oklahoma City | $1.8M | 1.0 mi |
| ROUNDS PLUMBING SERVICE, LLC Oklahoma City · 4 employees | $1.2M | 1.1 mi |
| Edco Plumbing, Heating & Air Oklahoma City | $1.8M | 1.3 mi |
The full calculation
| Employees reported to the SBA | 13 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $3.3M |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $4.5M |
| Estimate: the two combined (geometric mean) | $4.4M |
| EBITDA margin (industry, adjusted for size) | 11% |
| EBITDA = revenue × margin | $464K |
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 | $1.1M |
| Multiple for this size and industry | 2.4× |
| Value range | $586K – $1.5M |
| Revenue range | $2.9M – $5.0M |
| EBITDA range | $305K – $529K |
| Industry (NAICS) | Plumbing, Heating, and Air-Conditioning Contractors (238220) |
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
- BankingMidFirst 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 Roles are as stated there and may be out of date.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
| MidFirst Bank PPP 2020 | All 2,403 borrowers → |
From PPP and SBA loan records, which name the bank but not the individual banker.
PPP loans
| Approved | Draw | Amount | Jobs |
|---|---|---|---|
| 4/13/2020 | first | $152K | 13 |
About Fine Liner, Inc.
Fine Liner, Inc. is a plumbing, heating & air company in Oklahoma City, Oklahoma. Its estimated annual revenue is about $4.4M, with roughly $464K of EBITDA. It has about 13 employees. Its estimated business value is $1.1M (likely range $586K–$1.5M).
Common questions
- Who owns Fine Liner, Inc.?
- The owner of Fine Liner, Inc. 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 Fine Liner, Inc. make?
- SeeBITDA estimates Fine Liner, Inc.'s annual revenue at about $4.4M (likely between $2.9M and $5.0M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is Fine Liner, Inc. worth?
- About $1.1M, roughly 2.4× its estimated EBITDA of $464K, typical for a plumbing, heating & air company its size. Likely range: $586K–$1.5M.
- How many employees does Fine Liner, Inc. have?
- About 13, as reported on its PPP loan.