Selling a Business in Cumberland County
Cumberland County has 1,153 employer businesses, and 86% of them have fewer than 20 employees. This page shows the local mix of industries and how a sale is handled here. The largest industries here are retail and health care and social assistance.
Areas in Tennessee
LOCAL SNAPSHOT
Cumberland County by the numbers
1,153
1,153
EMPLOYER BUSINESSES
86%
86%
SMALL EMPLOYER SHARE
5,395
5,395
BUSINESSES WITH NO EMPLOYEES
16,494
16,494
EMPLOYMENT
$688 million
$688 million
ANNUAL PAYROLL
514
514
BUSINESSES WITH 5 TO 49 EMPLOYEES
U.S. Census Bureau, County Business Patterns 2023 and Nonemployer Statistics 2024. Counts are employer establishments, meaning business locations with paid employees.
How Cumberland County compares
Cumberland County ranks 23rd of 95 Tennessee counties and county equivalents for employer businesses.
The number of employer businesses grew 6.2% between 2018 and 2023.
Construction makes up 11% of employer businesses in Cumberland County, compared with 8% in Tennessee.
514 employer businesses here have 5 to 49 employees.
Cumberland County ranks 23rd of 95 Tennessee counties and county equivalents for employer businesses.
The number of employer businesses grew 6.2% between 2018 and 2023.
Construction makes up 11% of employer businesses in Cumberland County, compared with 8% in Tennessee.
514 employer businesses here have 5 to 49 employees.
Industry mix
The largest industries by number of employer businesses:
Retail: 219 employer businesses
Health care and social assistance: 152 employer businesses
Construction: 126 employer businesses
Repair, personal care and other services: 125 employer businesses
Accommodation and food service: 105 employer businesses
The largest industries by number of employer businesses:
Retail: 219 employer businesses
Health care and social assistance: 152 employer businesses
Construction: 126 employer businesses
Repair, personal care and other services: 125 employer businesses
Accommodation and food service: 105 employer businesses
INDUSTRIES
What sells in Cumberland County
Retail, health care and social assistance, construction, repair, personal care and other services
Every kind of business we sell in Cumberland County
These are the industries in Cumberland County and the number of employer businesses in each. Counts are employer businesses in the closest Census industry codes. Industries without a clean Census match are listed without a count, and a few industries share one Census category, so their counts match. A sale multiple is the price a business typically sells for as a multiple of its earnings. SDE means seller's discretionary earnings, which is the owner's pay plus the profit of the business. EBITDA means earnings before interest, taxes, depreciation and amortization.
Construction & Engineering
120 related employer businesses in Cumberland County.
General Contracting: 26 employer businesses here. Typical sale multiple: 3.0x - 4.5x SDE.
Interior Finishing: 21 employer businesses here. Typical sale multiple: 2.5x - 4.0x SDE.
Foundation & Site Prep: 18 employer businesses here. Typical sale multiple: 2.5x - 4.0x EBITDA + Fleet.
Electrical: 17 employer businesses here. Typical sale multiple: 4.0x - 8.0x EBITDA.
Landscaping: 16 employer businesses here. Typical sale multiple: 3.0x - 5.0x SDE.
Plumbing: 13 employer businesses here. Typical sale multiple: 3.5x - 5.0x SDE.
HVAC Services: 13 employer businesses here. Typical sale multiple: 4.6x - 7.0x EBITDA.
Civil Engineering: 6 employer businesses here. Typical sale multiple: 7.0x - 11.0x EBITDA.
Masonry: 3 employer businesses here. Typical sale multiple: 2.5x - 4.0x EBITDA + Equipment.
Restaurants & Food
99 related employer businesses in Cumberland County.
Full-Service Restaurants: 40 employer businesses here. Typical sale multiple: 1.5x - 2.5x SDE.
Quick-Service & Fast Food: 38 employer businesses here. Typical sale multiple: 2.5x - 3.5x SDE.
Grocery Stores & Markets: 8 employer businesses here. Typical sale multiple: 2.0x - 3.0x SDE + Inventory.
Coffee Shops: 7 employer businesses here. Typical sale multiple: 2.0x - 3.0x SDE.
Liquor, Wine & Beer Stores: 3 employer businesses here. Typical sale multiple: 2.5x - 3.5x SDE + Inventory.
Bakeries: 3 employer businesses here. Typical sale multiple: 2.0x - 3.0x SDE.
Medical Practices
92 related employer businesses in Cumberland County.
Primary & Family Care: 40 employer businesses here. Typical sale multiple: 2.2x - 3.2x SDE.
Dental Practices: 15 employer businesses here. Typical sale multiple: 3.5x - 5.5x EBITDA.
Physical Therapy & Rehab: 8 employer businesses here. Typical sale multiple: 3.5x - 5.0x EBITDA.
Veterinary Medicine: 7 employer businesses here. Typical sale multiple: 6.0x - 9.0x EBITDA.
Home Health & Hospice: 7 employer businesses here. Typical sale multiple: 4.0x - 7.0x EBITDA.
Medical Labs & Imaging: 6 employer businesses here. Typical sale multiple: 4.5x - 6.5x EBITDA.
Mental & Behavioral Health: 5 employer businesses here. Typical sale multiple: 2.5x - 4.0x SDE.
Urgent Care Clinics: 4 employer businesses here. Typical sale multiple: 4.0x - 6.0x EBITDA.
Financial & Professional Services
71 related employer businesses in Cumberland County.
Real Estate Brokerages: 19 employer businesses here. Typical sale multiple: 2.5x - 4.5x SDE.
Accounting & Tax Practices: 16 employer businesses here. Typical sale multiple: 2.0x - 3.5x SDE.
Insurance Agencies: 16 employer businesses here. Typical sale multiple: 6.0x - 8.0x EBITDA.
Private Lending: 15 employer businesses here. Typical sale multiple: 3.0x - 5.0x SDE.
Wealth Management: 5 employer businesses here. Typical sale multiple: 2.7x - 4.0x Recurring Revenue.
Retail Stores
57 related employer businesses in Cumberland County.
Hardware, Garden & Building: 23 employer businesses here. Typical sale multiple: 2.5x - 3.8x SDE + Inventory.
Fashion, Apparel & Jewelry: 12 employer businesses here. Typical sale multiple: 2.0x - 3.5x SDE + Inventory.
Health, Beauty & Pharmacy: 12 employer businesses here. Typical sale multiple: 2.8x - 4.2x EBITDA.
Home Decor & Furniture: 10 employer businesses here. Typical sale multiple: 2.2x - 3.2x SDE + Inventory.
Automotive & Boat
52 related employer businesses in Cumberland County.
Auto Repair: 15 employer businesses here. Typical sale multiple: 2.5x - 3.2x SDE.
Auto Parts: 13 employer businesses here. Typical sale multiple: 2.5x - 3.2x SDE + Inventory.
Car Dealerships: 13 employer businesses here. Typical sale multiple: 2x - 8x Blue Sky + Assets.
Collision Repair: 7 employer businesses here. Typical sale multiple: 3.5x - 5.0x EBITDA.
Towing & Repo: 4 employer businesses here. Typical sale multiple: 3.0x - 4.0x EBITDA + Fleet.
Gas Stations & Convenience
51 related employer businesses in Cumberland County.
Gas Stations: 47 employer businesses here. Typical sale multiple: 3.0x - 4.5x EBITDA + Real Estate.
Convenience Stores: 4 employer businesses here. Typical sale multiple: 2.5x - 3.5x SDE + Inventory.
Manufacturing
33 related employer businesses in Cumberland County.
Metal Fabrication: 11 employer businesses here. Typical sale multiple: 3.2x - 4.2x SDE.
Food & Beverage Manufacturing: 9 employer businesses here. Typical sale multiple: 3.1x - 4.5x SDE.
Construction Materials Manufacturing: 8 employer businesses here. Typical sale multiple: 2.5x - 5.0x EBITDA.
Wood & Furniture Manufacturing: 5 employer businesses here. Typical sale multiple: 2.5x - 3.8x SDE.
Logistics & Transportation
28 related employer businesses in Cumberland County.
General Freight Trucking: 25 employer businesses here. Typical sale multiple: 2.44x - 3.45x SDE.
Commercial Moving: 3 employer businesses here. Typical sale multiple: 1.5x - 3.0x SDE.
Home Services
16 related employer businesses in Cumberland County.
Residential Cleaning: 6 employer businesses here. Typical sale multiple: 1.5x - 2.6x SDE.
Commercial Cleaning: 6 employer businesses here. Typical sale multiple: 2.47x - 4.11x EBITDA.
Property Management: 5 employer businesses here. Typical sale multiple: 3.0x - 4.5x SDE.
Pest Control: 5 employer businesses here. Typical sale multiple: 2.34x - 2.90x SDE.
Pharmacies & Medical Supply
13 related employer businesses in Cumberland County.
Home Infusion: 7 employer businesses here. Typical sale multiple: 4.0x - 6.5x EBITDA.
Compounding Pharmacies: 6 employer businesses here. Typical sale multiple: 3.5x - 5.5x EBITDA.
Specialty Pharmacies: 6 employer businesses here. Typical sale multiple: 4.0x - 6.5x EBITDA.
Wholesale & Distribution
11 related employer businesses in Cumberland County.
Industrial & Construction Supply: 7 employer businesses here. Typical sale multiple: 3.0x - 4.0x SDE.
Food & Beverage Distribution: 4 employer businesses here. Typical sale multiple: 2.5x - 3.5x SDE.
Beauty & Personal Care
9 related employer businesses in Cumberland County.
Hair Salons: 6 employer businesses here. Typical sale multiple: 1.25x - 2.34x SDE.
Day Spas: 3 employer businesses here. Typical sale multiple: 1.8x - 2.8x SDE.
Tattoo Shops: 3 employer businesses here. Typical sale multiple: 1.5x - 2.5x SDE.
Massage Parlors: 3 employer businesses here. Typical sale multiple: 1.5x - 2.5x SDE.
Health & Fitness
9 related employer businesses in Cumberland County.
Wellness & Recovery Centers: 5 employer businesses here. Typical sale multiple: 5.5x - 9.7x EBITDA.
Gyms & Health Clubs: 4 employer businesses here. Typical sale multiple: 2.44x - 2.93x SDE.
Yoga Studios: 4 employer businesses here. Typical sale multiple: 2.07x - 2.50x SDE.
Pilates Studios: 4 employer businesses here. Typical sale multiple: 2.10x - 3.00x SDE.
Personal Training Studios: 4 employer businesses here. Typical sale multiple: 2.00x - 2.80x SDE.
Education & Childcare
8 related employer businesses in Cumberland County.
Daycare Centers: 8 employer businesses here. Typical sale multiple: 2.39x - 3.35x SDE.
Senior Care & Living
8 related employer businesses in Cumberland County.
Assisted Living Facilities: 4 employer businesses here. Typical sale multiple: 4.0x - 7.0x EBITDA + Real Estate.
Non-Medical Home Care: 4 employer businesses here. Typical sale multiple: 3.0x - 5.0x SDE.
Hospitality & Travel
6 related employer businesses in Cumberland County.
Hotels: 6 employer businesses here. Typical sale multiple: 2.6x - 5.1x EBITDA.
Motels: 6 employer businesses here. Typical sale multiple: 1.1x - 2.5x SDE.
Pet Services
5 related employer businesses in Cumberland County.
Pet Grooming & Spas: 5 employer businesses here. Typical sale multiple: 2.0x - 3.0x SDE.
Boarding, Daycare & Training: 5 employer businesses here. Typical sale multiple: 3.0x - 4.5x EBITDA.
Technology & Media
5 related employer businesses in Cumberland County.
Digital Marketing Agencies: 5 employer businesses here. Typical sale multiple: 2.0x - 3.5x SDE.
Energy & Utilities
4 related employer businesses in Cumberland County.
Water & Wastewater Services: 4 employer businesses here. Typical sale multiple: 4.0x - 7.0x EBITDA.
Entertainment & Recreation
3 related employer businesses in Cumberland County.
Golf Courses: 3 employer businesses here. Typical sale multiple: 8.0x - 11.0x EBITDA.
These are the industries in Cumberland County and the number of employer businesses in each. Counts are employer businesses in the closest Census industry codes. Industries without a clean Census match are listed without a count, and a few industries share one Census category, so their counts match. A sale multiple is the price a business typically sells for as a multiple of its earnings. SDE means seller's discretionary earnings, which is the owner's pay plus the profit of the business. EBITDA means earnings before interest, taxes, depreciation and amortization.
Construction & Engineering
120 related employer businesses in Cumberland County.
General Contracting: 26 employer businesses here. Typical sale multiple: 3.0x - 4.5x SDE.
Interior Finishing: 21 employer businesses here. Typical sale multiple: 2.5x - 4.0x SDE.
Foundation & Site Prep: 18 employer businesses here. Typical sale multiple: 2.5x - 4.0x EBITDA + Fleet.
Electrical: 17 employer businesses here. Typical sale multiple: 4.0x - 8.0x EBITDA.
Landscaping: 16 employer businesses here. Typical sale multiple: 3.0x - 5.0x SDE.
Plumbing: 13 employer businesses here. Typical sale multiple: 3.5x - 5.0x SDE.
HVAC Services: 13 employer businesses here. Typical sale multiple: 4.6x - 7.0x EBITDA.
Civil Engineering: 6 employer businesses here. Typical sale multiple: 7.0x - 11.0x EBITDA.
Masonry: 3 employer businesses here. Typical sale multiple: 2.5x - 4.0x EBITDA + Equipment.
Restaurants & Food
99 related employer businesses in Cumberland County.
Full-Service Restaurants: 40 employer businesses here. Typical sale multiple: 1.5x - 2.5x SDE.
Quick-Service & Fast Food: 38 employer businesses here. Typical sale multiple: 2.5x - 3.5x SDE.
Grocery Stores & Markets: 8 employer businesses here. Typical sale multiple: 2.0x - 3.0x SDE + Inventory.
Coffee Shops: 7 employer businesses here. Typical sale multiple: 2.0x - 3.0x SDE.
Liquor, Wine & Beer Stores: 3 employer businesses here. Typical sale multiple: 2.5x - 3.5x SDE + Inventory.
Bakeries: 3 employer businesses here. Typical sale multiple: 2.0x - 3.0x SDE.
Medical Practices
92 related employer businesses in Cumberland County.
Primary & Family Care: 40 employer businesses here. Typical sale multiple: 2.2x - 3.2x SDE.
Dental Practices: 15 employer businesses here. Typical sale multiple: 3.5x - 5.5x EBITDA.
Physical Therapy & Rehab: 8 employer businesses here. Typical sale multiple: 3.5x - 5.0x EBITDA.
Veterinary Medicine: 7 employer businesses here. Typical sale multiple: 6.0x - 9.0x EBITDA.
Home Health & Hospice: 7 employer businesses here. Typical sale multiple: 4.0x - 7.0x EBITDA.
Medical Labs & Imaging: 6 employer businesses here. Typical sale multiple: 4.5x - 6.5x EBITDA.
Mental & Behavioral Health: 5 employer businesses here. Typical sale multiple: 2.5x - 4.0x SDE.
Urgent Care Clinics: 4 employer businesses here. Typical sale multiple: 4.0x - 6.0x EBITDA.
Financial & Professional Services
71 related employer businesses in Cumberland County.
Real Estate Brokerages: 19 employer businesses here. Typical sale multiple: 2.5x - 4.5x SDE.
Accounting & Tax Practices: 16 employer businesses here. Typical sale multiple: 2.0x - 3.5x SDE.
Insurance Agencies: 16 employer businesses here. Typical sale multiple: 6.0x - 8.0x EBITDA.
Private Lending: 15 employer businesses here. Typical sale multiple: 3.0x - 5.0x SDE.
Wealth Management: 5 employer businesses here. Typical sale multiple: 2.7x - 4.0x Recurring Revenue.
Retail Stores
57 related employer businesses in Cumberland County.
Hardware, Garden & Building: 23 employer businesses here. Typical sale multiple: 2.5x - 3.8x SDE + Inventory.
Fashion, Apparel & Jewelry: 12 employer businesses here. Typical sale multiple: 2.0x - 3.5x SDE + Inventory.
Health, Beauty & Pharmacy: 12 employer businesses here. Typical sale multiple: 2.8x - 4.2x EBITDA.
Home Decor & Furniture: 10 employer businesses here. Typical sale multiple: 2.2x - 3.2x SDE + Inventory.
Automotive & Boat
52 related employer businesses in Cumberland County.
Auto Repair: 15 employer businesses here. Typical sale multiple: 2.5x - 3.2x SDE.
Auto Parts: 13 employer businesses here. Typical sale multiple: 2.5x - 3.2x SDE + Inventory.
Car Dealerships: 13 employer businesses here. Typical sale multiple: 2x - 8x Blue Sky + Assets.
Collision Repair: 7 employer businesses here. Typical sale multiple: 3.5x - 5.0x EBITDA.
Towing & Repo: 4 employer businesses here. Typical sale multiple: 3.0x - 4.0x EBITDA + Fleet.
Gas Stations & Convenience
51 related employer businesses in Cumberland County.
Gas Stations: 47 employer businesses here. Typical sale multiple: 3.0x - 4.5x EBITDA + Real Estate.
Convenience Stores: 4 employer businesses here. Typical sale multiple: 2.5x - 3.5x SDE + Inventory.
Manufacturing
33 related employer businesses in Cumberland County.
Metal Fabrication: 11 employer businesses here. Typical sale multiple: 3.2x - 4.2x SDE.
Food & Beverage Manufacturing: 9 employer businesses here. Typical sale multiple: 3.1x - 4.5x SDE.
Construction Materials Manufacturing: 8 employer businesses here. Typical sale multiple: 2.5x - 5.0x EBITDA.
Wood & Furniture Manufacturing: 5 employer businesses here. Typical sale multiple: 2.5x - 3.8x SDE.
Logistics & Transportation
28 related employer businesses in Cumberland County.
General Freight Trucking: 25 employer businesses here. Typical sale multiple: 2.44x - 3.45x SDE.
Commercial Moving: 3 employer businesses here. Typical sale multiple: 1.5x - 3.0x SDE.
Home Services
16 related employer businesses in Cumberland County.
Residential Cleaning: 6 employer businesses here. Typical sale multiple: 1.5x - 2.6x SDE.
Commercial Cleaning: 6 employer businesses here. Typical sale multiple: 2.47x - 4.11x EBITDA.
Property Management: 5 employer businesses here. Typical sale multiple: 3.0x - 4.5x SDE.
Pest Control: 5 employer businesses here. Typical sale multiple: 2.34x - 2.90x SDE.
Pharmacies & Medical Supply
13 related employer businesses in Cumberland County.
Home Infusion: 7 employer businesses here. Typical sale multiple: 4.0x - 6.5x EBITDA.
Compounding Pharmacies: 6 employer businesses here. Typical sale multiple: 3.5x - 5.5x EBITDA.
Specialty Pharmacies: 6 employer businesses here. Typical sale multiple: 4.0x - 6.5x EBITDA.
Wholesale & Distribution
11 related employer businesses in Cumberland County.
Industrial & Construction Supply: 7 employer businesses here. Typical sale multiple: 3.0x - 4.0x SDE.
Food & Beverage Distribution: 4 employer businesses here. Typical sale multiple: 2.5x - 3.5x SDE.
Beauty & Personal Care
9 related employer businesses in Cumberland County.
Hair Salons: 6 employer businesses here. Typical sale multiple: 1.25x - 2.34x SDE.
Day Spas: 3 employer businesses here. Typical sale multiple: 1.8x - 2.8x SDE.
Tattoo Shops: 3 employer businesses here. Typical sale multiple: 1.5x - 2.5x SDE.
Massage Parlors: 3 employer businesses here. Typical sale multiple: 1.5x - 2.5x SDE.
Health & Fitness
9 related employer businesses in Cumberland County.
Wellness & Recovery Centers: 5 employer businesses here. Typical sale multiple: 5.5x - 9.7x EBITDA.
Gyms & Health Clubs: 4 employer businesses here. Typical sale multiple: 2.44x - 2.93x SDE.
Yoga Studios: 4 employer businesses here. Typical sale multiple: 2.07x - 2.50x SDE.
Pilates Studios: 4 employer businesses here. Typical sale multiple: 2.10x - 3.00x SDE.
Personal Training Studios: 4 employer businesses here. Typical sale multiple: 2.00x - 2.80x SDE.
Education & Childcare
8 related employer businesses in Cumberland County.
Daycare Centers: 8 employer businesses here. Typical sale multiple: 2.39x - 3.35x SDE.
Senior Care & Living
8 related employer businesses in Cumberland County.
Assisted Living Facilities: 4 employer businesses here. Typical sale multiple: 4.0x - 7.0x EBITDA + Real Estate.
Non-Medical Home Care: 4 employer businesses here. Typical sale multiple: 3.0x - 5.0x SDE.
Hospitality & Travel
6 related employer businesses in Cumberland County.
Hotels: 6 employer businesses here. Typical sale multiple: 2.6x - 5.1x EBITDA.
Motels: 6 employer businesses here. Typical sale multiple: 1.1x - 2.5x SDE.
Pet Services
5 related employer businesses in Cumberland County.
Pet Grooming & Spas: 5 employer businesses here. Typical sale multiple: 2.0x - 3.0x SDE.
Boarding, Daycare & Training: 5 employer businesses here. Typical sale multiple: 3.0x - 4.5x EBITDA.
Technology & Media
5 related employer businesses in Cumberland County.
Digital Marketing Agencies: 5 employer businesses here. Typical sale multiple: 2.0x - 3.5x SDE.
Energy & Utilities
4 related employer businesses in Cumberland County.
Water & Wastewater Services: 4 employer businesses here. Typical sale multiple: 4.0x - 7.0x EBITDA.
Entertainment & Recreation
3 related employer businesses in Cumberland County.
Golf Courses: 3 employer businesses here. Typical sale multiple: 8.0x - 11.0x EBITDA.
Working with owners in Cumberland County
Business Advisors of America works with owners who are selling a business in Cumberland County. Contact us to talk about a sale.
FREQUENTLY ASKED QUESTIONS
Questions owners in Cumberland County ask
How long does it take to sell a business in Cumberland County?
The time depends on the price, the quality of the records and the number of qualified buyers.
How is a business valued in Cumberland County?
Valuation starts with the earnings the business produces for an owner, then adjusts for assets, size, industry and the terms a buyer is likely to accept. The result is a range, and the asking price is set inside it.
Is the sale confidential?
Buyers are asked to sign a non-disclosure agreement before they see the name of the business or its financial statements.
FROM OUR BLOG
Guides for owners in Cumberland County
October 3, 2025
Business Owners
Add-Backs: What Counts, What Does Not, and What Buyers Push Back On
Every add-back you can prove raises your sale price by two to three times its amount. Every add-back you cannot prove costs you credibility on all the others.
Read article
October 3, 2025
Business Owners
Add-Backs: What Counts, What Does Not, and What Buyers Push Back On
Every add-back you can prove raises your sale price by two to three times its amount. Every add-back you cannot prove costs you credibility on all the others.
Read article
March 5, 2026
Business Owners
Buyer Qualification: How We Screen Out the Buyers Who Cannot Close
Most inquiries on a business listing come from people who cannot close. Here is how they get screened out before they see your name or your financials.
Read article
March 5, 2026
Business Owners
Buyer Qualification: How We Screen Out the Buyers Who Cannot Close
Most inquiries on a business listing come from people who cannot close. Here is how they get screened out before they see your name or your financials.
Read article
February 9, 2026
Business Owners
The Confidential Information Memorandum: What Goes In It and Why
The CIM is the document a buyer reads before they decide to spend time on your business. Here is what it has to contain and the mistakes that cost sellers offers.
Read article
February 9, 2026
Business Owners
The Confidential Information Memorandum: What Goes In It and Why
The CIM is the document a buyer reads before they decide to spend time on your business. Here is what it has to contain and the mistakes that cost sellers offers.
Read article