Horizon Credit, Inc.
How we got $3.3M
Based on its 6 employees and its payroll, both reported for PPP in 2020 and brought up to date.
What we know
Signs of a sale Unlikely to sell soon
- In business 19 years (since 2007)
From public records and the company's website, not a statement that it's for sale.
What they do
Horizon Credit Loans provides small personal installment loans and signature loans, including credit starter loans, to people who need short-term cash or want to build credit. It operates in Tulsa and Sapulpa, Oklahoma, and has been doing so since 2007.
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 |
|---|---|---|
| HORIZON CREDIT, INC. this business | $2.0M | — |
| BORN EMTERPRISES INC Sapulpa · 2 employees | $2.2M | 3.8 mi |
| DEALER FINANCE GROUP, LLC Jenks · 2 employees | $1.5M | 8.1 mi |
| TULSA COUNTY PAWN LLC Tulsa · 6 employees | $1.8M | 8.9 mi |
| WILSON & SONS PAWN & GUN, INC. Sand Springs · 2 employees | $1.5M | 10.9 mi |
| HURRICANE VENTURES, LLC Tulsa · 1 employees | $824K | 11.9 mi |
| MEDPLAN CREDIT, LLC Tulsa · 3 employees | $1.3M | 12.7 mi |
The full calculation
| Employees reported to the SBA | 6 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $2.4M |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $1.3M |
| Estimate: the two combined (geometric mean) | $2.0M |
| EBITDA margin (industry, adjusted for size) | 44% |
| EBITDA = revenue × margin | $866K |
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 | $3.3M |
| Multiple for this size and industry | 3.8× |
| Value range | $1.7M – $4.5M |
| Revenue range | $1.3M – $2.3M |
| EBITDA range | $569K – $987K |
| 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
History & advisors
“Horizon Credit in Tulsa and Sapulpa, Oklahoma have been doing exactly that for our customers since 2007!”
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 | 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 |
|---|---|---|---|
| 4/28/2020 | first | $32K | 6 |
2 locations
| 1604 S Main | Sapulpa | This listing |
| 4653 S Peoria Ave | 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 Horizon Credit, Inc.
Horizon Credit, Inc. is a consumer lending company in Sapulpa, Oklahoma, in business since 2007. Its estimated annual revenue is about $2.0M, with roughly $866K of EBITDA. It has about 6 employees. Its estimated business value is $3.3M (likely range $1.7M–$4.5M). It has 2 locations.
Common questions
- Who owns Horizon Credit, Inc.?
- The owner of Horizon Credit, 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 Horizon Credit, Inc. make?
- SeeBITDA estimates Horizon Credit, Inc.'s annual revenue at about $2.0M (likely between $1.3M and $2.3M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is Horizon Credit, Inc. worth?
- About $3.3M, roughly 3.8× its estimated EBITDA of $866K, typical for a consumer lending company its size. Likely range: $1.7M–$4.5M.
- How many employees does Horizon Credit, Inc. have?
- About 6, as reported on its PPP loan.
- When was Horizon Credit, Inc. founded?
- Horizon Credit, Inc. has been in business since 2007.