Garner Enterprises Inc
How we got $1.6M
Based on its 5 employees and its payroll, both reported for PPP in 2020 and brought up to date.
What we know
What they do
Garner & Associates, LLP is a business and estate planning law firm serving clients from family-owned businesses to large companies, with offices in Willows and Fair Oaks, California. The business name in the request (Garner Enterprises Inc, Tulsa, OK) does not match the pages reviewed.
From the company's website. Industry: Insurance agencies.
Customers & suppliers
Possible customers nearby
The largest businesses within about 60 miles in the markets its website says it serves.
- DRUMMOND CATTLE LLC · Tulsa, 10 mi · $129.5M
- BERRY & BERRY ACQUISITION · Tahlequah, 52 mi · $93.3M
- J-M FARMS HOLDING, LLC · Miami, 82 mi · $76.3M
- LIVESAY ORCHARDS · Porter, 23 mi · $35.7M
- GREEN ACRE SOD FARMS, INC · Bixby, 2 mi · $31.0M
Estimated value over time
▲ 30% 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.
Employees over time
▼ 40% since 2020Show as table
| Year | Source | Employees | Est. revenue |
|---|---|---|---|
| 2020 | PPP loan | 5 | $896K |
| 2020 | Form 5500 | 5 | $896K |
| 2021 | Form 5500 | 4 | $717K |
| 2022 | Form 5500 | 3 | $538K |
| 2023 | Form 5500 | 3 | $538K |
| 2024 | Form 5500 | 3 | $538K |
| 2025 | Form 5500 | 3 | $538K |
Participants are employees in the company's retirement plan at year end, from its Form 5500 filing with the Department of Labor. They usually run a little under total headcount (part-timers and new hires may not be eligible). Revenue and EBITDA apply this industry's revenue per employee and margin to each year's count.
Compared with similar businesses nearby
| Business | Est. revenue | Distance |
|---|---|---|
| GARNER ENTERPRISES INC this business | $1.3M | — |
| AAA Oklahoma - Bixby Insurance/Membership Only Tulsa | $806K | 0.0 mi |
| CLARENCE ZITTERKOB INSURANCE AGENCY, INC. Tulsa · 2 employees | $513K | 0.1 mi |
| Farmers Insurance - Clayton Constien Tulsa | $806K | 0.1 mi |
| Relation Insurance Services Bixby | $806K | 0.1 mi |
| Insure918, Inc. Tulsa | $806K | 0.1 mi |
| Derby Insurance Solutions - Tulsa Health Insurance Agency Tulsa | $806K | 0.1 mi |
The full calculation
| Employees reported to the SBA | 5 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $886K |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $1.5M |
| Estimate: the two combined (geometric mean) | $1.3M |
| EBITDA margin (industry, adjusted for size) | 33% |
| EBITDA = revenue × margin | $435K |
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 | $1.6M |
| Multiple for this size and industry | 3.6× |
| Value range | $824K – $2.1M |
| Revenue range | $872K – $1.5M |
| EBITDA range | $286K – $496K |
| Industry (NAICS) | Insurance Agencies and Brokerages (524210) |
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
- BankingArvest 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
| Arvest Bank PPP 2020 | All 5,114 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 | $66K | 5 |
Public records
Matched to this business by name and address from public government data; a match can occasionally be wrong.
About Garner Enterprises Inc
Garner Enterprises Inc is an insurance agencies company in Tulsa, Oklahoma, in business since 2018. Its estimated annual revenue is about $1.3M, with roughly $435K of EBITDA. It has about 3 employees. Its estimated business value is $1.6M (likely range $824K–$2.1M).
Common questions
- Who owns Garner Enterprises Inc?
- The owner of Garner Enterprises 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 Garner Enterprises Inc make?
- SeeBITDA estimates Garner Enterprises Inc's annual revenue at about $1.3M (likely between $872K and $1.5M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is Garner Enterprises Inc worth?
- About $1.6M, roughly 3.6× its estimated EBITDA of $435K, typical for a insurance agencies company its size. Likely range: $824K–$2.1M.
- How many employees does Garner Enterprises Inc have?
- About 3, from its 2025 retirement-plan filing.
- When was Garner Enterprises Inc founded?
- Garner Enterprises Inc has been in business since 2018.