Feasibility Study Data for the Clarksville, TN-KY Metro Area

Clarksville, TN-KY: reading the area whole

Clarksville, TN-KY is a metropolitan area, and its 300 SBA approvals in FY2017 to FY2026 carried $124.1 million in gross dollars. Clarksville is distinctive on size first: a $150,000 median loan, 0.72x the national median, outside our margin. Clarksville counts as a mid-table area, ranked 239 of 928 by loans. In Clarksville, TN-KY, every asset class is pooled for Clarksville. That view of Clarksville crosses the KY and TN line, which no state page shows.

$40,000 to $440,000 spans the middle half of Clarksville loans, and $150,000 is the median. Outside data makes Clarksville requests look heavy; at 0.72x, Clarksville is well below the national level. In Clarksville, TN-KY the 7(a) count is 283 and the 504 count is 17, which puts 7(a) ahead here. Franchised businesses in Clarksville took 19.3% of loans, so a branded concept in Clarksville needs a brand-cost check in Clarksville.

Classes, counties and lenders in Clarksville

Clarksville's tracked classes, largest first: 22 loans in limited-service restaurant; 18 loans in full-service restaurant; 9 loans in fitness center; 9 loans in child care center. 194 Clarksville loans sit outside the tracked classes, so Clarksville operating businesses show up in these totals. Clarksville counts by county run 242 loans in Montgomery County, TN, 42 loans in Christian County, KY, and 9 loans in Trigg County, KY; a Clarksville study should say which it covers. Clarksville 7(a) volume: U.S. Bank, National Association ($11.8 million, 101 loans); Northeast Bank (ME) ($2.2 million, 19 loans); The Huntington National Bank ($4.6 million, 18 loans). Clarksville 504 lending is led by 9 loans at Brightbridge, Inc. ($13.2 million). U.S. Bank, National Association, with 101 loans, tops the Clarksville rows, each an SBA record of Clarksville loans held or once held; none judges Clarksville lenders.

Clarksville goes from 25 loans in FY2017 to 49 in FY2026, ending higher: the peak was 54 in FY2025, and the trough 10 in FY2020. Clarksville cancellations stand at 8.6%, a floor, for Clarksville approvals in FY2017 to FY2024; Clarksville's ceiling is withheld, never zero. The area prints no charge-off floor: of 300 loans, the cohort is too thin. Clarksville withholds it; withheld is not zero. Clarksville faces a geography limit: Clarksville, TN-KY uses the July 2023 definition; 300 loans are matched by county, and unplaceable Clarksville loans are omitted, so Clarksville counts and rates are floors.

Clarksville: the study questions

A Clarksville feasibility study begins with Clarksville demand from the right counties: Montgomery County, TN leads the loan counts, though Clarksville is wider. If a Clarksville concept resembles limited-service restaurant, Clarksville offers size and lender precedent; other Clarksville concepts must rest on their own Clarksville evidence. Local bids set Clarksville costs; Clarksville debt service coverage then needs tests at $150,000 and at $440,000. Clarksville, TN-KY spans KY and TN, so a Clarksville study weighs licensing and incentives in KY and TN separately, and a Clarksville appraisal needs Clarksville comparables from the right side of Clarksville, TN-KY. Clarksville appraisals compare within one submarket of Clarksville, TN-KY, not across averages. Nothing printed for Clarksville predicts approval; each Clarksville lender still reviews a study.