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Clarksville Oil and Gas Co. LT

Clarksville Oil and Gas Co. LT

Franchising since 1977 · 3 locations

Clarksville Oil and Gas Co. LT currently operates 3 locations (3 franchised). The top SBA 7(a) lenders for Clarksville Oil and Gas Co. LT are The MINT National Bank and Celtic Bank Corporation. PeerSense FPI health score: 55/100.

Total Units

3

3 franchised

FPI Score
Low
55

Proprietary PeerSense metric

Moderate
Capital Partners
2lenders available

Active capital sources verified for Clarksville Oil and Gas Co. LT financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

No retainers · Referral fee at closing

FPI Score Breakdown

Emerging (3-9 loans)

Limited Data
55out of 100
Moderate

SBA Lending Performance

SBA Default Rate

0.0%

0 of 4 loans charged off

SBA Loans

4

Total Volume

$5.2M

Active Lenders

2

States

1

Top SBA Lenders for Clarksville Oil and Gas Co. LT

What is the Clarksville Oil and Gas Co. LT franchise?

The question every serious franchise investor should ask before committing capital is deceptively simple: does this brand operate in a market large enough to sustain long-term unit growth, and is the operating model sound enough to generate returns that justify the risk? For the Clarksville Oil And Gas Co Lt franchise, those questions require careful analysis of a company that operates at the intersection of two enduring American economic realities — the persistent demand for liquid fuel and the exploding consumer preference for convenience retail. Headquartered in Waco, Texas, Clarksville Oil And Gas Co Lt currently operates a total network of 4 units, with 3 franchised locations and no company-owned units in its current configuration. The brand's website at clarksvilleoil.com serves as the primary digital touchpoint for prospective franchisees and consumers alike. A separate Clarksville, Texas-based oil and gas entity has been identified through independent research as a local operation in Clarksville, TX, which is not BBB Accredited, suggesting it is a distinct, non-franchising business entirely unrelated to the Waco-headquartered Clarksville Oil And Gas Co Lt franchise operation analyzed here. With a PeerSense Franchise Performance Index score of 55, which falls in the Moderate tier, this brand occupies the profile of a small-network operator competing in a U.S. gasoline stations with convenience stores market valued at $522.3 billion in 2025 — one of the largest retail categories by dollar volume in the American economy. For investors seeking a franchise opportunity in energy retail and convenience, the Clarksville Oil And Gas Co Lt franchise represents a compact, early-stage opportunity worth rigorous independent evaluation before any capital commitment is made.

The total addressable market for the gasoline stations with convenience stores category in the United States stood at $522.3 billion in market size as of 2025, making it one of the most capital-intensive and volume-driven franchise categories an investor can enter. The market experienced a slight contraction of 0.3% in 2025 and a projected further decrease of 0.4% in 2026, bringing the market value to an estimated $520.3 billion, yet the five-year compound annual growth rate from 2021 through 2026 remains positive at 0.6%, indicating baseline resilience despite short-term fuel price and demand fluctuations. Globally, the gas station market was valued at USD 11.8 billion in 2024 and is projected to grow from USD 12.44 billion in 2025 to USD 18.91 billion by 2033, representing a CAGR of 5.38% during the 2026 to 2033 forecast window — driven by increasing vehicle ownership in emerging markets, expanding road and highway infrastructure, and the integration of digital payment technologies including automated dispensers and contactless transactions. The broader global convenience stores market, which is the profitability engine inside every gas station with a c-store, was estimated at USD 2.12 trillion in 2021 and is projected to reach USD 3.12 trillion by 2028, compounding at a CAGR of 5.6% from 2022 through 2028, with the foodservice segment forecast to grow at the fastest sub-segment rate of 6.4% during the same period. Consumer demand for mini-marts, prepared food stops, car washes, and other convenience services attached to fueling stations continues to drive incremental traffic and in-store revenue volumes, transforming what was once a commodity transaction into a full-service consumer experience. The secular risks to this category are real and quantifiable: falling fossil fuel usage in developed economies driven by stricter environmental regulations, high capital costs associated with EV charging infrastructure upgrades, and increasing competition from alternative energy suppliers are collectively pressuring conventional fuel volumes over a multi-decade horizon. The mitigating factor is that forward-thinking gas station operators are already transforming their locations into hybrid energy centers by incrementally adding EV charging points, positioning themselves to capture future-conscious consumers even as internal combustion engine vehicles remain dominant in their service footprints for the foreseeable future. In Tennessee specifically, the gasoline stations with convenience stores industry has grown at an average annual rate of 2.8% from 2020 to 2025, with a projected market size of $14.6 billion in 2026, 3,493 operating businesses in the state, and 19,979 employees as of 2026 — a labor market growing at 0.4% annually even as business count has declined slightly at an average of 0.6% per year, reflecting consolidation dynamics that historically favor larger, better-capitalized franchise networks over independent operators.

Understanding the full cost of entry into the Clarksville Oil And Gas Co Lt franchise opportunity requires situating the investment within the broader context of what gasoline stations with convenience stores typically demand from prospective franchisees. Across the franchise industry in 2025, initial franchise fees generally range from $20,000 to $50,000, with ongoing royalty fees typically spanning 4% to 8% of gross sales and advertising or marketing fund contributions layered on top of those baseline obligations. For retail-oriented franchise categories specifically, total investments frequently exceed $100,000, with royalty structures ranging from 4% to 12% of gross sales depending on brand maturity, territory exclusivity, and the level of operational infrastructure provided by the franchisor. Gasoline stations with convenience stores sit at the more capital-intensive end of the franchise investment spectrum due to the combined requirements of fuel storage infrastructure, environmental compliance systems, point-of-sale technology, convenience retail build-out, and — increasingly — EV charging readiness. The Clarksville Oil And Gas Co Lt franchise currently operates with 3 franchised units and zero company-owned locations, which means the franchised network carries the entire operational footprint of the brand. This franchise-heavy, zero-company-unit structure is an important due diligence signal: the franchisor's revenue stream is derived entirely from franchisee performance, which aligns corporate incentives with franchisee success but also means there is no company-operated benchmark location through which prospective investors can directly observe unit-level economics in action. Investors evaluating this opportunity should factor in not only the direct franchise investment costs but also working capital reserves, real estate lease or acquisition costs depending on whether the location is a conversion or new build, environmental compliance carrying costs, and the ongoing cost of regulatory adherence in the petroleum storage and distribution segment. SBA financing programs have historically been available to qualified franchise investors in the petroleum retail and convenience store category, and veterans considering the Clarksville Oil And Gas Co Lt franchise opportunity should inquire specifically about veteran incentive programs during the discovery process.

The day-to-day operating model of a gasoline stations with convenience stores franchise is demanding by design, requiring franchisees or their designated operators to manage a dual-revenue business simultaneously — fuel dispensing operations and in-store convenience retail — each with its own supplier relationships, inventory management requirements, regulatory compliance obligations, and margin dynamics. Staffing a gas station with a convenience store typically requires a mix of part-time and full-time employees across extended or 24-hour operating windows, with labor representing one of the most significant and most volatile cost inputs given fluctuations in local minimum wage laws and competitive hiring markets. The Clarksville Oil And Gas Co Lt franchise currently shows zero company-owned units in its network of 4 total locations, which means all operational learning and best-practice development flows through the franchised unit experiences of its 3 franchise operators. Training program structures for franchisees in this category typically encompass both classroom-style instruction covering business operations, fuel compliance, food service safety, and retail merchandising, as well as hands-on in-store training at an operating location prior to the franchisee's own grand opening. Prospective Clarksville Oil And Gas Co Lt franchisees should seek specific disclosure on the number of training hours provided, the location of initial training, whether ongoing field consultant support is structured into the franchise agreement, and what technology platforms — including point-of-sale systems, fuel management software, and customer loyalty programs — are included within the franchise system or are required as additional investments. Territory structure and exclusivity provisions are particularly important in the petroleum retail category, where a protected trade area can meaningfully differentiate a franchisee's competitive position against both independent operators and larger national chains. Multi-unit development agreements are a common pathway for experienced operators in this category to build portfolio scale, and investors with operational experience in petroleum retail, convenience store management, or fast-casual food service may find the Clarksville Oil And Gas Co Lt franchise platform a potentially lower-barrier entry point into a franchise network at an early stage of development.

Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for Clarksville Oil And Gas Co Lt. This places the brand among the approximately 99% of franchisors who do not provide voluntary financial performance representations in their FDD filings — a reality that makes independent due diligence not just advisable but essential for any investor considering this opportunity. To be clear about what Item 19 represents: FDD Item 19 is the section of the Franchise Disclosure Document where franchisors may voluntarily disclose revenue, sales, expenses, or profit information drawn from actual franchise performance, and while franchisors are not legally required to provide this data, those that do must substantiate every figure and make supporting documentation available upon request. The absence of Item 19 disclosure means prospective Clarksville Oil And Gas Co Lt franchise investors cannot rely on franchisor-provided revenue benchmarks and must instead triangulate unit-level economics from industry data, comparable operator performance, and direct franchisee conversations during the validation process. The U.S. gasoline stations with convenience stores market generates $522.3 billion in aggregate annual revenue across its operator base, and while Clarksville Oil And Gas Co Lt's 4-unit network is a fractional share of that market, the industry benchmarks provide a meaningful reference frame: the Tennessee market alone projects $14.6 billion in 2026 across 3,493 businesses, implying an average revenue per business of approximately $4.18 million annually at that market size. It is critical to note that revenue is not equivalent to profit — profit is derived by subtracting operating costs including fuel cost of goods sold, labor, lease obligations, utilities, regulatory compliance, royalties, and advertising fund contributions from gross revenue, and in a category where fuel margins are notoriously thin and compressed by wholesale price volatility, the in-store convenience and foodservice revenue streams often carry disproportionate importance to overall profitability. Investors should request direct access to franchisee operators within the Clarksville Oil And Gas Co Lt network during the validation phase of due diligence to gather first-hand operational and financial performance insights that the FDD itself does not provide.

The Clarksville Oil And Gas Co Lt franchise network currently consists of 4 total units, with 3 franchised locations, representing a micro-network at an early stage of potential expansion. The competitive dynamics of the gasoline stations with convenience stores category at the national level are simultaneously a challenge and an opportunity for smaller franchise networks like Clarksville Oil And Gas Co Lt: the market is served by a mix of major branded fuel networks, regional independents, and franchise operations of varying scale, and the fragmentation at the local and regional level creates genuine white space for differentiated operators who can execute consistently on the convenience retail and fuel dispensing value proposition. The broader macro environment for Clarksville Oil And Gas Co Lt franchise investment is shaped significantly by the economic trajectory of the Waco, Texas headquarters region and the surrounding Texas and Tennessee markets. Clarksville, Tennessee — notably distinct from the Texas headquarters of this brand — is experiencing one of the most significant industrial investment cycles in its history, with Air Liquide announcing a $150 million facility expansion in 2023, T.RAD North America committing $90.2 million to build a manufacturing facility expected to create 928 jobs, and Korea Zinc planning an investment exceeding $6.6 billion at the former Nyrstar zinc plant, part of a larger $7.4 billion capital program. The city of Clarksville, Tennessee is adding between 5,000 and 6,000 new residents annually and will require more than 15,000 new housing units by 2029, with the industrial ecosystem already anchored by a Hankook tire plant, Amazon warehouse, Google data center, and LG Electronics facility — a demand environment that creates compelling long-term traffic and consumer spending tailwinds for gasoline and convenience retail operators serving that geography. The integration of EV charging infrastructure, adoption of contactless and digital payment solutions, and expansion of in-store foodservice offerings represent the primary operational innovation levers available to Clarksville Oil And Gas Co Lt franchise operators seeking to build competitive moats at the unit level.

The ideal candidate for the Clarksville Oil And Gas Co Lt franchise opportunity is most likely an operator with prior experience in petroleum retail, convenience store management, food service operations, or multi-unit retail management — backgrounds that provide foundational literacy in the dual-revenue operating model this category demands. Owner-operator involvement is typically associated with stronger unit-level outcomes in small franchise networks where corporate field support resources are more limited than in large-scale systems, and investors approaching this as an absentee investment without an experienced on-site manager in place should carefully assess whether the support infrastructure is sufficient to sustain performance without active owner engagement. The franchise agreement term length, territory protections, renewal rights, transfer provisions, and termination clauses are all material considerations that prospective Clarksville Oil And Gas Co Lt franchisees should have reviewed by independent franchise legal counsel before signing — franchise agreements across the industry often contain termination and renewal provisions weighted in favor of the franchisor, and understanding those dynamics before commitment is standard practice for sophisticated investors. Multi-unit development may represent a natural progression pathway for operators who successfully establish their initial Clarksville Oil And Gas Co Lt franchise unit and seek to build density within a defined geographic market, particularly in high-growth corridors like those emerging in Tennessee's industrial expansion zones. The timeline from signed franchise agreement to operational opening in this category can range from several months to over a year depending on real estate availability, permitting timelines, and whether the unit is a conversion of an existing fuel station or a ground-up build.

For the franchise investor conducting serious due diligence on an early-stage petroleum retail and convenience franchise concept, the Clarksville Oil And Gas Co Lt franchise presents a nuanced opportunity: a micro-network of 4 total units with 3 franchised locations operating in a U.S. category with $522.3 billion in annual market size, a global gas station market growing at a CAGR of 5.38% through 2033, and a broader global convenience stores market on track to reach USD 3.12 trillion by 2028. The PeerSense Franchise Performance Index score of 55 — in the Moderate tier — reflects the reality that this is not a proven, scaled franchise system with hundreds of units and decades of disclosed financial performance data, but rather a small-network franchise opportunity where the upside is tied to execution quality, market selection, and the franchisor's ability to build replicable systems as the network grows. The absence of Item 19 financial performance disclosure means prospective investors carry more analytical responsibility in this evaluation than they would with a fully transparent franchisor, and that responsibility demands the kind of independent data infrastructure that only a dedicated franchise research platform can provide. PeerSense provides exclusive due diligence data including SBA lending history, FPI score, location maps with Google ratings, FDD financial data, and side-by-side comparison tools that allow investors to benchmark Clarksville Oil And Gas Co Lt against other franchise concepts in the gasoline stations with convenience stores category with factual precision rather than marketing-driven assumptions. The investment thesis here is not about certainty — it is about informed judgment, and informed judgment requires the most complete data picture available. Explore the complete Clarksville Oil And Gas Co Lt franchise profile on PeerSense to access the full suite of independent franchise intelligence data.

FPI Score

55/100

SBA Default Rate

0.0%

Active Lenders

2

Key Highlights

Low SBA default rate (0.0%)

Data Insights

Key performance metrics for Clarksville Oil and Gas Co. LT based on SBA lending data

SBA Default Rate

0.0%

0 of 4 loans charged off

SBA Loan Volume

4 loans

Across 2 lenders

Lender Diversity

2 lenders

Avg 2.0 loans per lender

Clarksville Oil and Gas Co. LT — Deep SBA Data

Brand-specific metrics derived directly from SBA 7(a) approval records — peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.

Peak SBA Year

2025

3 approvals — best year on record for Clarksville Oil and Gas Co. LT.

Top SBA State

Texas

4 SBA-financed Clarksville Oil and Gas Co. LT locations — the densest operator footprint.

Average Loan Size

$1.3M

Median $1.3M — use as a sizing anchor when modeling your own $Clarksville Oil and Gas Co. LT unit.

Lender Concentration

100%

Concentrated

Share of Clarksville Oil and Gas Co. LT approvals captured by the top 3 SBA lenders.

Clarksville Oil and Gas Co. LT's SBA lending pipeline peaked in 2025 (3 approvals). The last five fiscal years account for 75% of cumulative volume ($3.6M approved). Operator density is highest in Texas with 4 SBA-financed locations. Average funded ticket sits at $1.3M, with the median at $1.3M. Lender mix is concentrated: the top three SBA lenders account for 100% of approvals — credit decisions concentrate with a small group of incumbents.

Payment Estimator

Loan Amount$400K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$5,176

Principal & Interest only

Locations

Clarksville Oil and Gas Co. LTunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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Clarksville Oil and Gas Co. LT