Hard Cash Inc.
How we got $8.0M
Based on 6 employees reported for PPP in 2020, grown at the industry's Oklahoma rate since.
What we know
Estimated value over time
▲ 27% 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 |
|---|---|---|
| HARD CASH INC. this business | $4.5M | — |
| EMPIRE FINANCE CO. LLC Mcalester · 90 employees | $30.0M | 26.8 mi |
| FURNITURE FINANCE CO LLC Mcalester · 60 employees | $20.3M | 26.8 mi |
| LIBERTY FINANCE CO. Mcalester · 47 employees | $15.7M | 26.8 mi |
| STATE FINANCE CO Mcalester · 55 employees | $21.6M | 26.8 mi |
| ALL PAWN & SURPLUS, INC. Mcalester · 9 employees | $4.4M | 26.8 mi |
| ROADRUNNER GUN & PAWN LLC Wagoner · 1 employees | $472K | 46.5 mi |
The full calculation
| Employees reported to the SBA | 6 |
| Industry revenue per employee | $290K |
| Revenue = employees × revenue per employee | $4.5M |
| EBITDA margin (industry, adjusted for size) | 40% |
| EBITDA = revenue × margin | $1.8M |
| Cross-check: revenue implied by PPP payroll | $1.1M |
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 | $8.0M |
| Multiple for this size and industry | 4.5× |
| Value range | $3.8M – $11.4M |
| Revenue range | $2.6M – $5.3M |
| EBITDA range | $1.1M – $2.1M |
| Industry (NAICS) | Other Nondepository Credit Intermediation (522298) |
Low confidence: the employee-based and payroll-based estimates differ by more than 2×.
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
Advisors
- BankingThe Farmers State 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 Roles are as stated there and may be out of date.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
| The Farmers State Bank PPP 2020 | All 85 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 | $30K | 6 |
About Hard Cash Inc.
Hard Cash Inc. is an other nondepository credit intermediation company in Eufaula, Oklahoma. Its estimated annual revenue is about $4.5M, with roughly $1.8M of EBITDA. It has about 6 employees. Its estimated business value is $8.0M (likely range $3.8M–$11.4M).
Common questions
- Who owns Hard Cash Inc.?
- The owner of Hard Cash 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 Hard Cash Inc. make?
- SeeBITDA estimates Hard Cash Inc.'s annual revenue at about $4.5M (likely between $2.6M and $5.3M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is Hard Cash Inc. worth?
- About $8.0M, roughly 4.5× its estimated EBITDA of $1.8M, typical for a other nondepository credit intermediation company its size. Likely range: $3.8M–$11.4M.
- How many employees does Hard Cash Inc. have?
- About 6, as reported on its PPP loan.