Golden Rule Pawn, LLC
How we got $2.3M
Based on its 3 employees and its payroll, both reported for PPP in 2020 and brought up to date.
What we know
What they do
Golden Rule Pawn is a locally owned and operated pawn shop in Norman, Oklahoma that buys unwanted items and offers loans. It says it is Norman's largest pawn shop.
From the company's website. Industry: Consumer Lending.
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 |
|---|---|---|
| GOLDEN RULE PAWN, LLC this business | $1.3M | — |
| PAWN PLUS LLC Norman · 11 employees | $8.2M | 2.0 mi |
| CWM PARTNERS, LP Norman · 20 employees | $8.5M | 2.1 mi |
| GREEN BEAR FINANCE LLC Norman · 3 employees | $1.6M | 2.2 mi |
| SUPERPAWN OF NOBLE INC Noble · 4 employees | $3.0M | 6.7 mi |
| THE HANEY BROTHERS FINANCING CO., L.L.C. Moore · 5 employees | $4.0M | 10.1 mi |
| CHOICE REALTY LLC Blanchard · 1 employees | $670K | 11.6 mi |
The full calculation
| Employees reported to the SBA | 3 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $1.2M |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $1.1M |
| Estimate: the two combined (geometric mean) | $1.3M |
| EBITDA margin (industry, adjusted for size) | 45% |
| EBITDA = revenue × margin | $597K |
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 | $2.3M |
| Multiple for this size and industry | 3.8× |
| Value range | $1.2M – $3.1M |
| Revenue range | $873K – $1.5M |
| EBITDA range | $393K – $681K |
| 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 |
|---|---|---|---|
| 4/14/2020 | first | $32K | 3 |
Public records
Matched to this business by name and address from public government data; a match can occasionally be wrong.
About Golden Rule Pawn, LLC
Golden Rule Pawn, LLC is a consumer lending company in Norman, Oklahoma, in business since 2019. Its estimated annual revenue is about $1.3M, with roughly $597K of EBITDA. It has about 3 employees. Its estimated business value is $2.3M (likely range $1.2M–$3.1M).
Common questions
- Who owns Golden Rule Pawn, LLC?
- The owner of Golden Rule Pawn, 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 Golden Rule Pawn, LLC make?
- SeeBITDA estimates Golden Rule Pawn, LLC's annual revenue at about $1.3M (likely between $873K and $1.5M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is Golden Rule Pawn, LLC worth?
- About $2.3M, roughly 3.8× its estimated EBITDA of $597K, typical for a consumer lending company its size. Likely range: $1.2M–$3.1M.
- How many employees does Golden Rule Pawn, LLC have?
- About 3, as reported on its PPP loan.
- When was Golden Rule Pawn, LLC founded?
- Golden Rule Pawn, LLC has been in business since 2019.