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Rock Island, Rock Island County

Rock Island Gas Station for Sale

A gas station in Rock Island is priced on adjusted seller’s discretionary earnings after a buyer compares this book to Moline — not on a statewide rumor multiple. Illinois CBS-1 (10 business days). Iowa buyers still close an Illinois company on Illinois notices. The statewide gas stations playbook is on the industry hub; this page is the Rock Island file. Confidential sale. No upfront listing fee.

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Rock Island market

Selling a gas station in Rock Island

A gas station in Rock Island is priced on adjusted seller’s discretionary earnings after a buyer compares this book to Moline — not on a statewide rumor multiple. Illinois CBS-1 (10 business days). Iowa buyers still close an Illinois company on Illinois notices. The statewide gas stations playbook is on the industry hub; this page is the Rock Island file.

Rock Island is the older Quad Cities river city: Arsenal Island, a downtown that still faces the Mississippi, and county government — not Moline’s Deere campus.

Arsenal-adjacent vendors and flood-plain real estate appear on schedules that a Milan warehouse file will not have. Bi-state labor is normal. Price the customer ZIP codes on both banks; “Illinois Quad Cities” is not one storefront.

Rock Island has about 36,592 residents in Rock Island County, inside the Davenport-Moline-Rock Island area. Nearby markets buyers already compare this book to include Moline, East Moline, Milan. That comparison changes who shows up: a buyer who will drive from Moline is not the same buyer who will fly in from a coastal platform.

Planning facts

Typical multiple
2x–4x SDE
Typical timeline
4–10 months
SBA eligible
Often — confirm
County
Rock Island County
Population
36,592
Metro
Davenport-Moline-Rock Island
Nearby comps
Moline, East Moline, Milan
Closing clock
Illinois CBS-1 (10 business days). Iowa buyers still close an Illinois company on Illinois notices
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Rock Island County demand

Quad Cities demand

Rock Island and Henry County shops sit on a bi-state labor and customer market. Iowa buyers still close an Illinois company on Illinois notices.

CBS-1, municipal licenses, and the lease are the Illinois work even when the trucks already cross the river.

Rock Island demand for gas stations is the customer list and the license path — not the Census population figure. About 36,592 residents is context for who already lives in the trade area. It is not a sale price.

Gas Station in Rock Island

What a Rock Island buyer will underwrite on this gas station

A gas station in Rock Island is bays or site plus environmental accounts. The first buyer is often an operator from Moline, East Moline, Milan, not a coastal platform. Waste-oil, tanks, or refrigerant rules do not silently follow a stock sale.

Gas Stations statewide typically plan around 2x–4x SDE and a 4–10 months process when books and the lease are ready. That is a planning range, not a price for this Rock Island shop. Buyers here usually argue fuel volume (gallons/month), c-store revenue, real estate ownership vs lease, environmental compliance status.

Closing clock for this Rock Island file: Illinois CBS-1 (10 business days). Iowa buyers still close an Illinois company on Illinois notices. License path: Office of the State Fire Marshal underground-storage-tank rules and IEPA LUST status are the licenses that move the business. The industry hub teaches the statewide rule. This URL is the Rock Island application of it.

Rock Island is a regional market. The first serious call is often an owner-operator from Moline, East Moline, Milan, 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 gas station in Rock Island

Quad Cities buyers — including Iowa capital — show up as often as Chicago buyers. Industrial-service and Deere-adjacent strategics are real. PE is selective.

Illustration: a branded four-dispenser station with a C-store in Springfield, tanks last upgraded a decade ago, lottery and tobacco inside, and the seller working days. Not a closed sale.

A gas station whose customers already sit in Moline, East Moline, Milan is a larger business than one that stops at the Rock Island city limit. Tell the truth about the route. Buyers will map it.

SDE recast

How a buyer will read the books on this Rock Island gas station

Gas-station recasts split fuel cents-per-gallon from inside-store gross. Add back owner compensation, then treat fuel margin as a distributor conversation, not a growth story. Cigarette, lottery, and ATM income need their own lines. Environmental capex (tanks, spill buckets, Stage II leftovers) is a deduction from value, not an add-back.

Illustration only — not a quote for any Rock Island shop. A gas station whose tax return shows $196,000 of net profit is not worth $196,000 × a rumor multiple.

Add back the owner’s $111,000 W-2 and payroll tax, $25,000 of discretionary benefits, $8,000 of accepted one-time cost, and $12,000 of personal expenses that a buyer will not run. Then subtract $2,000 of replacement labor if the owner still diagnoses, sells, or closes the books.

Adjusted seller’s discretionary earnings are $350,000. At the planning range 2.0x–4.0x, enterprise value is $700,000 to $1,400,000. Mid-range 3.00x is $1,050,000 before debt, working capital, holdback, and tax. A Rock Island buyer will argue the multiple after they ride with the staff and read the lease.

At 3.00 times $350,000 of seller’s discretionary earnings, enterprise value is $1,050,000 before debt, working capital, holdback, and tax. That is the planning conversation. It is not a listing-site guess.

SDE line items

  1. Reported net profit (tax return, not the marketing P&L)
  2. + Interest expense
  3. + Income taxes (not payroll, sales, or property tax)
  4. + Depreciation and amortization
  5. + Owner W-2, bonuses, and payroll taxes on the owner
  6. + Discretionary owner benefits that a buyer will not keep (auto, personal travel, family on payroll with no role)
  7. + Accepted one-time or non-recurring expenses
  8. − Market-rate replacement labor for owner work that will not transfer
  9. = Seller’s Discretionary Earnings (SDE)
Illustration recast for a Rock Island gas station — not a quote
Net profit$196,000
Owner W-2$111,000
Benefits$25,000
One-time$8,000
Personal$12,000
Replacement labor (subtract)−$2,000
Recast SDE$350,000
Planning EV at 3.00x$1,050,000

Recast Seller’s Discretionary Earnings, then apply a planning multiple for gas stations. 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.

$
1x 3.0x 8x
Estimated Value Range — to —

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.

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Rock Island County closing

Licenses and closing steps for a Rock Island sale

Rock Island County uses state CBS-1 plus Rock Island, Moline, East Moline, and Milan licenses. Iowa-side (Davenport, Bettendorf) customers and employees create multi-state tax, workers’-comp, and license maps. John Deere vendor numbers do not always assign.

Office of the State Fire Marshal underground-storage-tank rules and IEPA LUST status are the licenses that move the business. Motor-fuel tax accounts, lottery retailer status, and tobacco licenses do not silently assign. Municipal business and, if applicable, packaged-liquor licenses are local-control items. A tank-tightness or cathodic-protection gap is a deal issue, not a post-close punch list.

Labor and lease

What has to keep working on Monday after close in Rock Island

For a gas station in Rock Island, the first labor question is: Documented inside-store margin that is not all cigarettes.

I-74 and I-80. Cross-river labor is normal. A Moline book with Iowa techs is a two-state diligence file. Arsenal Island and river flooding appear on some real-estate schedules.

Quad Cities MSA is bi-state. Price the customer and employee map, not “Illinois” as a single market.

Diligence

What a serious gas station buyer will open

Levers that move the multiple in this vertical: Documented inside-store margin that is not all cigarettes; Clean UST and LUST file with useful remaining tank life; Assignable supply brand without a forced image rebuild; Owned dirt versus a short oil-company lease; Lottery and foodservice that survive an ownership change.

Have these ready before anyone hears the name of the Rock Island business: Monthly gallonage, brand contract, and fuel-margin history; UST age, tightness tests, spill-bucket file, and any LUST incident; Inside-store category mix: food, tobacco, lottery, ATM; Branded-supply agreement assignability and image-update obligations; Owned real estate versus oil-company or third-party lease; Environmental Phase I/II and remaining tank life.

Buyer tool

SBA payment sketch for a Rock Island gas station 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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%
%
yrs
Down Payment Required —
Loan Amount —
Est. Monthly Payment —

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 Rock Island gas station for sale

  1. Recast this Rock Island gas station. Start with the tax return. Add owner pay. Subtract replacement labor if the seller still does the work a Rock Island buyer must hire. Do not treat a spike year as the new normal.
  2. Name who can operate on Monday. List every credential that lets this gas station pull a permit or see a patient in Rock Island, and whether that person stays. Personal licenses do not transfer with the assets.
  3. Tell the truth about the Rock Island 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 Rock Island limit.
  4. Open the lease and the labor file. Remaining term and assignment in Rock Island County. Whether the crew can run without the seller living eight minutes away.
  5. Calendar the notices that apply here. Illinois CBS-1 (10 business days). Iowa buyers still close an Illinois company on Illinois notices. Start them at letter of intent, not the week of funding.
  6. Read the statewide playbook, then talk. The Illinois gas stations hub is the statute and recast teaching. This page is the Rock Island file. Confidential consult — no upfront listing fee.
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Questions

Questions about gas stations in Rock Island

Answers for owners and buyers in Rock Island County, including local closing steps.

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