A restaurant in Pontoon Beach is priced on adjusted seller’s discretionary earnings after a buyer compares this book to Alton — not on a statewide rumor multiple. Illinois CBS-1 (10 business days). Missouri buyers still close an Illinois company on Illinois notices. The statewide restaurants playbook is on the industry hub; this page is the Pontoon Beach file. Confidential sale. No upfront listing fee.
Confidential • No upfront fees • Illinois statewide
Pontoon Beach market
Selling a restaurant in Pontoon Beach
A restaurant in Pontoon Beach is priced on adjusted seller’s discretionary earnings after a buyer compares this book to Alton — not on a statewide rumor multiple. Illinois CBS-1 (10 business days). Missouri buyers still close an Illinois company on Illinois notices. The statewide restaurants playbook is on the industry hub; this page is the Pontoon Beach file.
Pontoon Beach is a small Madison County village on I-270 — warehouses, highway retail, and World Wide Technology Raceway next door, not a downtown and not Edwardsville’s campus.
Logistics and traveler books dominate; race-weekend hospitality is seasonal if it appears at all. St. Louis capital is as relevant as Chicago’s — do not borrow SIUE or Granite City steel. Population is small; the customers are on the interstate.
Pontoon Beach has about 5,620 residents in Madison County, inside the St. Louis area. Nearby markets buyers already compare this book to include Alton, Edwardsville, Granite City. That comparison changes who shows up: a buyer who will drive from Alton is not the same buyer who will fly in from a coastal platform.
Planning facts
Typical multiple
2.5x–3.5x SDE
Typical timeline
6–12 months
SBA eligible
Often — confirm
County
Madison County
Population
5,620
Metro
St. Louis
Nearby comps
Alton, Edwardsville, Granite City
Closing clock
Illinois CBS-1 (10 business days). Missouri buyers still close an Illinois company on Illinois notices
Madison, St. Clair, and nearby Metro East shops sit in the St. Louis MSA. Some buyers live in Missouri and still have to close under Illinois notices and licenses.
State CBS-1 plus municipal licenses. Do not assume a Missouri process covers an Illinois entity.
Pontoon Beach demand for restaurants is the customer list and the license path — not the Census population figure. About 5,620 residents is context for who already lives in the trade area. It is not a sale price.
Restaurant in Pontoon Beach
What a Pontoon Beach buyer will underwrite on this restaurant
Food and liquor in Pontoon Beach close on the lease and the local board as often as they close on prime cost. Madison County health and — if the room pours — local-control liquor are Pontoon Beach clocks, not a statewide multiple. Neighbors already compare this room to Alton, Edwardsville, Granite City.
Restaurants statewide typically plan around 2.5x–3.5x SDE and a 6–12 months process when books and the lease are ready. That is a planning range, not a price for this Pontoon Beach shop. Buyers here usually argue revenue consistency, lease terms, equipment condition, staff retention, location foot traffic.
Closing clock for this Pontoon Beach file: Illinois CBS-1 (10 business days). Missouri buyers still close an Illinois company on Illinois notices. License path: County or City of Chicago food-establishment licenses sit with the premises and the operator, not the seller personally. The industry hub teaches the statewide rule. This URL is the Pontoon Beach application of it.
Pontoon Beach is a small town market. The first serious call is often an owner-operator from Alton, Edwardsville, Granite City, not a platform that needs $2 million of earnings to pay for diligence. SBA 7(a) and seller financing usually matter more here than a headline multiple.
Buyer pool
Who buys a restaurant in Pontoon Beach
St. Louis capital is as important as Chicago capital. PE and strategics who already buy in St. Louis County will look across the river. SIUE (Edwardsville) creates a campus-adjacent buyer story that Granite City does not share.
Illustration: a 90-seat independently owned Italian room in Oak Park with a full bar, a Tuesday-through-Sunday dinner book, and the selling chef still expediting Friday and Saturday. Not a closed sale and not a quote.
A restaurant whose customers already sit in Alton, Edwardsville, Granite City is a larger business than one that stops at the Pontoon Beach city limit. Tell the truth about the route. Buyers will map it.
SDE recast
How a buyer will read the books on this Pontoon Beach restaurant
Restaurant buyers adjust the tax return, not the OpenTable story. Add back owner W-2, auto, and meals that a buyer will not keep, then strip catering spikes, PPP-era leftovers, and any family host who is not staying. Prime-cost (COGS plus kitchen and floor labor) has to land in a band a new operator can actually run; if the owner still expedites Friday night, subtract a kitchen manager before you argue 3x.
Illustration only — not a quote for any Pontoon Beach shop. A restaurant whose tax return shows $148,000 of net profit is not worth $148,000 × a rumor multiple.
Add back the owner’s $48,000 W-2 and payroll tax, $17,000 of discretionary benefits, $3,500 of accepted one-time cost, and $13,000 of personal expenses that a buyer will not run. Then subtract $94,000 of replacement labor if the owner still diagnoses, sells, or closes the books.
Adjusted seller’s discretionary earnings are $135,000. At the planning range 2.5x–3.5x, enterprise value is $337,500 to $472,500. Mid-range 3.00x is $405,000 before debt, working capital, holdback, and tax. A Pontoon Beach buyer will argue the multiple after they ride with the staff and read the lease.
At 3.00 times $135,000 of seller’s discretionary earnings, enterprise value is $405,000 before debt, working capital, holdback, and tax. That is the planning conversation. It is not a listing-site guess.
SDE line items
Reported net profit (tax return, not the marketing P&L)
+ Interest expense
+ Income taxes (not payroll, sales, or property tax)
+ Depreciation and amortization
+ Owner W-2, bonuses, and payroll taxes on the owner
+ Discretionary owner benefits that a buyer will not keep (auto, personal travel, family on payroll with no role)
+ Accepted one-time or non-recurring expenses
− Market-rate replacement labor for owner work that will not transfer
= Seller’s Discretionary Earnings (SDE)
Illustration recast for a Pontoon Beach restaurant — not a quote
Net profit
$148,000
Owner W-2
$48,000
Benefits
$17,000
One-time
$3,500
Personal
$13,000
Replacement labor (subtract)
−$94,000
Recast SDE
$135,000
Planning EV at 3.00x
$405,000
Recast Seller’s Discretionary Earnings, then apply a planning multiple for restaurants.
Replacement labor is subtracted. This is a planning tool, not an appraisal.
Recast SDE—
Planning enterprise value—
Before debt, working-capital peg, holdback, and tax. Educational only.
Enter your annual Seller's Discretionary Earnings (SDE) — your net profit plus owner's salary and any personal expenses run through the business — to estimate a range.
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This is an estimate for planning purposes only. Actual value depends on lease terms, asset quality, customer concentration, and current market conditions. Request a professional valuation for a precise number.
Licenses and closing steps for a Pontoon Beach sale
Madison County (Edwardsville, Alton, Granite City, Collinsville, Pontoon Beach) uses Illinois CBS-1. Metro East businesses often have Missouri customers, employees, or landlords. Granite City industrial and Alton riverfront add environmental and flood diligence. No Chicago 45-day notice.
County or City of Chicago food-establishment licenses sit with the premises and the operator, not the seller personally. They do not auto-transfer. If the room pours, the municipal liquor license and Illinois Liquor Control Commission state license are a separate, often slower, path. Health-department change-of-owner inspections are a closing condition, not a paperwork afterthought.
Labor and lease
What has to keep working on Monday after close in Pontoon Beach
For a restaurant in Pontoon Beach, the first labor question is: Documented prime cost a buyer can hold without the seller on the line.
I-55, I-70, I-270. Cross-river labor and licensing (Missouri contractor or professional licenses) must be mapped. Granite City steel-adjacent books are not Edwardsville professional-service books.
Illinois side of the St. Louis MSA. Price in St. Louis buyers, Illinois licenses, and a river.
Diligence
What a serious restaurant buyer will open
Levers that move the multiple in this vertical: Documented prime cost a buyer can hold without the seller on the line; Assignable lease with term and options left; Liquor-license class and a realistic local-control path; Daypart balance versus a single Friday-night spike; Kitchen equipment age and hood/suppression inspection status.
Have these ready before anyone hears the name of the Pontoon Beach business: Weekly sales by daypart and a 24-month weather-and-holiday overlay; Prime-cost trend and whether the owner is still on the line or the pass; Lease assignment, remaining term, percentage rent, and landlord consent politics; Health-department inspection file and any open violations; Liquor-license class, local-control hearing calendar, and transferability; Vendor accounts, linen and draft-system leases, and POS ownership.
Buyer tool
SBA payment sketch for a Pontoon Beach restaurant buyer
Most Illinois owner-operator acquisitions use SBA 7(a). This is a payment sketch, not an approval.
SBA 7(a) loans are the most common financing for business acquisitions. Estimate your monthly payment and required down payment based on the purchase price.
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This calculator provides estimates for planning purposes only. Actual SBA loan terms depend on your credit profile, the specific lender, and current market conditions. Contact us to connect with SBA-approved lenders in Illinois.
Sale steps
How to prepare a Pontoon Beach restaurant for sale
Recast this Pontoon Beach restaurant. Start with the tax return. Add owner pay. Subtract replacement labor if the seller still does the work a Pontoon Beach buyer must hire. Do not treat a spike year as the new normal.
Name who can operate on Monday. List every credential that lets this restaurant pull a permit or see a patient in Pontoon Beach, and whether that person stays. Personal licenses do not transfer with the assets.
Tell the truth about the Pontoon Beach trade area. Map customers against neighboring towns. Buyers will. A book that already covers those towns is larger than a book that stops at the Pontoon Beach limit.
Open the lease and the labor file. Remaining term and assignment in Madison County. Whether the crew can run without the seller living eight minutes away.
Calendar the notices that apply here. Illinois CBS-1 (10 business days). Missouri buyers still close an Illinois company on Illinois notices. Start them at letter of intent, not the week of funding.
Read the statewide playbook, then talk. The Illinois restaurants hub is the statute and recast teaching. This page is the Pontoon Beach file. Confidential consult — no upfront listing fee.
Answers for owners and buyers in Madison County, including local closing steps.
Illinois restaurants typically sell for 2.5x–3.5x Seller's Discretionary Earnings (SDE). A restaurant generating $150,000 annually in SDE would likely be valued between $375,000 and $525,000, though lease terms, equipment age, and location heavily influence the final price.
Most restaurant sales in Pontoon Beach close within 6–12 months of listing. Restaurants priced correctly from day one with clean financials tend to close toward the faster end of that range.
Not always, but it helps. SBA lenders look at relevant experience, including management backgrounds in hospitality. First-time buyers with strong business acumen can still qualify, especially if the restaurant has strong, documented cash flow.
You'll need three years of tax returns, a current P&L, a copy of your lease, and an equipment list. The cleaner and more complete these documents, the faster your deal will move.
Yes. This is standard practice in business brokerage. All buyers sign a Non-Disclosure Agreement (NDA) before receiving any identifying information about your business. Your identity and the business name remain confidential until a serious buyer is identified.
Most Pontoon Beach asset sales file Illinois Form CBS-1 at least 10 business days before closing. Madison County does not use Chicago’s 45-day city notice unless the business also operates there. Municipal licenses and the lease still need their own calendar.
The first serious call in Pontoon Beach is usually an owner-operator or a neighboring shop, not a coastal fund. Madison County buyers already know the trade area. Seller financing and a clean lease matter more than a headline multiple.
No. The planning multiple for restaurants is a statewide starting point, not a Pontoon Beach appraisal. Buyers in Madison County still adjust seller’s discretionary earnings, then argue the lease, licenses, labor, and owner dependency.
Service Area
Restaurant Brokerage Near Pontoon Beach
We serve restaurants owners and buyers across Madison County and the surrounding region.