Each nearby place's ZIP gets its own count here, with how much of that ZIP the town covers, and two cost cases are worked through in numbers: a hardware store moving its key-cutting machine and an optometry office renewing next to an equipment loan.
Nearby places get ZIP employer counts here, never Obion County, TN figures unless they sit in that county, and each ZIP reaches well past the town that shares its name. Two invented cost cases follow: a hardware store moving its key-cutting machine and gondolas, and an optometry office renewing while an equipment loan runs. Union City, TN has its own page.
Obion County, TN Cities and Towns Beyond Union City, TN
Most incorporated places in Obion County, TN outside Union City share a name with a postal ZIP. Each of those ZIPs reaches far beyond the town (Troy covers 1.9% of ZIP 38260's land, Rives 0.6% of ZIP 38253's), so the counts below describe the ZIP areas. ZIP Code Business Patterns, 2023:
- Troy, TN (a town): 48 employer establishments at ZIP 38260 addresses
- South Fulton, TN (a city): 45 at ZIP 38257
- Kenton, TN (a town that also reaches into Gibson County, TN): 30 at ZIP 38233
- Obion, TN (a town, and a different place from Obion County): 17 at ZIP 38240
- Hornbeak, TN (a town): 12 at ZIP 38232
- Rives, TN (a town): 5 at ZIP 38253
Woodland Mills, TN (a city) and Samburg, TN (a town) have no ZIP of their own in the data, so no count is given for them. For the county as a whole, County Business Patterns listed 630 employer establishments in Obion County, TN in 2023.
Moving a Union City, TN Hardware Store to a Bigger Storefront: the Key-Cutting Machine and Gondolas on One Note
The lease on a bigger storefront is between the store and its landlord, and this site has no part in it. What moves with the store is a money question. Take a Union City, TN hardware store heading to a larger space: the key-cutting machine, the paint shaker and the shelving gondolas all go with it or get replaced.
- List what moves and what is bought new, item by item
- Measure whether the current shelving fits the new floor plan
- Get the draft lease to an attorney ahead of the signing date
- Price the new items and choose a product for them before the move date
A made-up case for scale: the store replaces its key-cutting machine for $3,900 and adds $11,600 of gondola shelving, a $15,500 package. Spread over 48 months through equipment financing at 10.65%, the package costs $397.98 a month; interest makes up $3,603.04 of the $19,103.04 paid in all.
Weakley County, TN Owners in Martin, TN and Dresden, TN: What the ZIP Counts Show
Weakley County, TN places are counted on their own; no Obion County, TN figure describes them. Each count is for the ZIP that carries the town's name, a much larger area than the town (Martin covers 9.0% of ZIP 38237's land, Dresden 5.7% of ZIP 38225's). ZIP Code Business Patterns, 2023:
- Martin, TN (a city): 303 employer establishments at ZIP 38237 addresses, with 5,892 paid employees; 47.5% had fewer than five employees
- Dresden, TN (a town): 134 at ZIP 38225; 61.2% had fewer than five employees
- Greenfield, TN (a city): 64 at ZIP 38230, exactly half of them with under five employees
- Sharon, TN (a town): 26 at ZIP 38255
Among the nearby places listed here, Martin's ZIP 38237 count is the largest. The ZIP 38261 figures are on the Union City, TN page.
An Optometry Office Renewing in Union City, TN: Rent Steps Set Beside an Equipment Loan's Term
A lease renewal is the moment a tenant can still change terms. Picture an optometry office in Union City, TN whose five-year lease is ending. The invented renewal offer raises rent from $2,600 to $2,860 a month, $260 more, or $3,120 a year. Over a 36-month renewal that is $9,360. Five points on the renewal touch the office's money:
- The new monthly rent and the dates of any later steps
- Whether the deposit has to be topped up to match the new rent
- Which repairs to the building fall to the tenant, and which to the landlord
- The renewal term next to the term of any equipment loan already running
- What happens to the office's equipment if it leaves when the term ends
The fourth item is easy to overlook. If the office finances exam-lane equipment over 60 months and renews for 36, the payments outlast the lease by two years. Matching the two, or keeping the equipment movable, avoids paying for equipment at an address the office has left.
Rutherford, TN, Dyer, TN, Newbern, TN and Tiptonville, TN: Three Counties, Four ZIP Areas
These places sit in three other Tennessee counties, and each figure here is for the ZIP that carries the town's name, not the town alone (ZIP Code Business Patterns, 2023):
- Rutherford, TN (a town in Gibson County, TN): 30 employer establishments at ZIP 38369; 70.0% had fewer than five employees
- Dyer, TN (a city in Gibson County, TN): employers at ZIP 38330 paid $18.7 million in annual payroll, and 52.5% had fewer than five employees
- Newbern, TN (a town in Dyer County, TN): ZIP 38059 employers had 1,622 paid employees and an $84.2 million annual payroll
- Tiptonville, TN, the Lake County, TN town on the list: 42 at ZIP 38079, of which 61.9% employed fewer than five
Payroll and head counts say something a count of employers does not: how large the typical employer in a ZIP is. Rutherford's and Tiptonville's ZIPs lean toward very small employers; for a business that size, a credit line or a single equipment note can be sized to one cost at a time.
Fulton, KY, Hickman, KY and Clinton, KY Owners Calling a Union City, TN Desk
Three Kentucky cities are close by, and an owner in any of them reaches the same desk. Each is counted by the ZIP that carries its name, an area much larger than the city (Fulton covers 2.7% of ZIP 42041's land, Hickman 3.2% of ZIP 42050's, Clinton 1.1% of ZIP 42031's), and no Tennessee figure on this site describes them (ZIP Code Business Patterns, 2023):
- Fulton, KY (a city in Fulton County, KY): 75 employer establishments at ZIP 42041
- Hickman, KY, also a Fulton County, KY city: 39 at ZIP 42050, just over half of them (51.3%) under five employees
- Clinton, KY, which lies in Hickman County, KY: 57 at ZIP 42031, with 45.6% staffed by fewer than five
Fulton, KY and South Fulton, TN are two separate cities in two states. Whether a funding partner offers a product to a Kentucky business is that partner's decision; the call to (731) 255-8781 and the request form are the same from either side.
By Larkwood Lenders · Updated
