250-Unit California ATM Portfolio, 15-Year Remotely Managed Network

$590K

SDE

3.3x

Multiple

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Full Editorial Writeup

Established 250-terminal ATM portfolio with a 15-year operating history, generating approximately $590,130 in annual cash flow. Asking price: $1,972,805. This opportunity offers a buyer immediate... <iframe src="//www.googletagmanager.com/ns.html?id=GTM-PD74W8S" height="0" width="0" style="display:none;visibility:hidden"></iframe> Businesses Franchises Brokers Create your free account Already have an account? Sign In here There is an error with your email address. Please call (888) 777-9892 option 2 to contact us for further assistance. Full Name Please enter a valid name Email Address Please enter a valid email address You already have an account.Sign in to continue Phone Number Please enter a valid phone number Password Your password must be at least 8 characters long and include a number, an uppercase letter, and a lowercase letter. Yes, send me the BizBuySell Newsletter for popular businesses, tips & email promotions. 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Sign In Loading... 250-Unit ATM Portfolio | $590K Annual Cash Flow | Third Party Loaded San Francisco, CA (San Francisco County) Asking Price:$1,972,805 Cash Flow (SDE):$590,130 EBITDA:Not Disclosed Gross Revenue:Not Disclosed Established:Not Disclosed 250-Unit ATM Portfolio | $590K Annual Cash Flow | Third Party Loaded Share This Listing 250-Unit ATM Portfolio | $590K Annual Cash Flow | Third Party Loaded Copy Link Link Copied Email Facebook LinkedIn Twitter Reddit Your Name Please enter your name Your Email Please enter a valid email address Recipient Email Please enter a valid email address Send via Email Business Description 15-year operating history | Fully remote managed infrastructure Established 250-terminal ATM portfolio with a 15-year operating history, generating approximately $590,130 in annual cash flow. Asking price: $1,972,805. This opportunity offers a buyer immediate ownership of an established ATM portfolio operating across California, with a strong presence in the San Francisco Bay Area and additional placements throughout the state. The portfolio has been structured for remote ownership. Cash replenishment, machine servicing, maintenance coordination, and field-level support are handled through established third-party providers. The buyer is acquiring an operating business supported by existing systems and vendor relationships rather than a route that requires the owner to personally load or service machines. Approximately 250 terminals are currently installed at active merchant locations. The scale of the portfolio provides diversification across a broad placement base, helping reduce reliance on any single terminal, merchant, or geographic area. The business has operated for approximately 15 years and has established operating procedures, reporting systems, merchant relationships, and service infrastructure already in place. Two full-time employees assist with operational oversight and portfolio management. This may be a suitable acquisition for an established ATM operator seeking immediate expansion, an investor looking for a remotely managed cash-flowing business, or a buyer who prefers acquiring an existing portfolio rather than developing placements one location at a time. Potential growth opportunities include adding terminals within the current service footprint, reviewing surcharge pricing, improving selected machine performance, upgrading or replacing older terminals, and expanding through existing merchant and vendor relationships. These opportunities represent potential upside beyond the portfolio’s current reported cash flow and are not presented as guaranteed future earnings. The sellers are retiring after approximately 15 years in business. The sale is based on personal timing and is not related to operational distress. Ad#:2530750 Detailed Information Employees: 2 Full-time Facilities: The portfolio consists of approximately 250 ATM terminals installed at active merchant locations throughout California.The business has a meaningful presence in the San Francisco Bay Area, together with additional placements across other California markets. The terminals are supported by third-party cash-loading, maintenance, and servicing providers.No traditional storefront, warehouse, office, vehicle, or physical facility is included in the sale. The primary business assets are the installed terminal network, merchant placements, operating history, cash flow, vendor relationships, and established management infrastructure. Competition: The California ATM market remains fragmented, with routes operated by independent owners, regional businesses, and portfolio investors. Competitive position is generally influenced by merchant relationships, machine uptime, dependable cash availability, responsive servicing, and the length of time terminals have operated at established locations. This portfolio benefits from approximately 15 years of operating history, an existing merchant footprint, and a large installed terminal base. A buyer acquires an established network rather than having to secure and develop each placement individually. Growth & Expansion: Potential expansion strategies include adding terminals within the existing geographic footprint, placing additional machines through current merchant relationships, reviewing surcharge levels, improving performance at selected locations, negotiating operating costs, and upgrading older equipment where appropriate.The existing servicing, loading, and management infrastructure may support additional unit deployment without requiring the buyer to build an entirely new operating system.Any expansion or optimization would be incremental to the current $590,130 in annual cash flow and is not presented as guaranteed upside. Support & Training: The seller will provide 90 days of transition assistance and training.The handover will include processor systems, reporting tools, third-party loader coordination, service-provider management, merchant communication, operational procedures, and portfolio-performance monitoring.Existing vendor and loading relationships are expected to transfer at closing, helping maintain continuity during the ownership transition. The sellers will remain available throughout the agreed support period. Reason for Selling: Retiring Business Location Location: San Francisco, CA Financial Benchmarks for California Other Financial Services Businesses Gross Revenue Benchmarks Cash Flow (SDE) Benchmarks EBITDA Benchmarks BizBuySell EDGE Demographic Information for San Francisco Area Household Income Population Age Population Trend Population by Race/Ethnicity BizBuySell EDGE Listing Statistics Saved This Listing Listing Last Updated Appeared in Search Listing Detail Views BizBuySell EDGE Know the True Market Value Before You Make an Offer Get valuation data to negotiate with confidence. Get a Valuation Report Business Listed By: Daniel Brooks Ad#:2530750 The information in this listing has been provided by the business seller or representative stated above. BizBuySell has no stake in the sale of this business, has not independently verified any of the information about the business, and assumes no responsibility for its accuracy or completeness. Read BizBuySell's Terms of Use before responding to any ad. Learn how to avoid scams. Contact Form Full Name* Enter a valid Full Name Phone Number Enter Phone Number Email Address* Enter Email Address Optional Message Yes, send me the Buyer Newsletter for popular businesses, tips, & email promotions. Show sellers you’re serious - learn about BizBuySell Edge for premium buyer tools & alerts Send Message By clicking the button, you agree to Biz

Why we like it

Earnings quality is straightforward and countable: $590,130 in annual cash flow at a 3.34x multiple, with revenue driven by high-frequency surcharge fees rather than lumpy contracts. Because the money literally flows through the machines and processor statements, this is one of the more verifiable SDE claims you will see in an SMB listing.
The moat is diversification and incumbency. With 250 terminals installed across California, the portfolio does not live or die on any one merchant, and machines that have sat in profitable locations for years carry real switching inertia. In a fragmented market of independent route owners, a 250-unit base is a meaningful scale advantage.
ATM cash withdrawals are recession-resilient demand. People pull cash regardless of the economy, and cash usage actually tends to hold up or rise during downturns and financial stress. This is not discretionary consumer spend, it is basic transaction infrastructure.
The operator advantage is that it is already structured for remote ownership. Third parties handle loading, servicing, and maintenance, and two employees run oversight, so a buyer inherits systems and vendor relationships rather than a route to physically drive. That makes it a clean bolt-on for an existing ATM operator or a genuinely semi-passive hold for a capital allocator.

How to improve it

Audit surcharge pricing across all 250 terminals in the first 90 days. Surcharge fees have room in most California markets, and even a small per-transaction increase across a high-volume base flows almost entirely to the bottom line. Identify the highest-traffic locations and test upward pricing where the merchant relationship supports it.
Rank every terminal by monthly transaction count and cash flow, then cull or relocate the bottom decile. Dead or low-volume machines still incur servicing, loading, and armored-carrier costs, so pruning underperformers and redeploying those units into stronger foot-traffic locations improves blended unit economics.
Renegotiate the third-party loading, servicing, and armored-cash contracts at scale. A 250-unit portfolio has real vendor leverage, and consolidating providers or rebidding routes can compress the single largest recurring cost line. The listing explicitly flags cost negotiation as untapped upside.
Add terminals through existing merchant relationships before chasing new placements. The current merchants already trust the operator, and incremental units drop onto existing servicing infrastructure without building a new operating system. This is the cheapest customer acquisition available in the business.
Upgrade aging terminals to EMV-compliant, higher-uptime hardware where the payback math works. Older machines mean more downtime, more service calls, and lost surcharge revenue, so a targeted capex refresh on the worst offenders can lift both revenue and reliability.
Build a real-time uptime and cash-level monitoring dashboard tied to the processor feed. Downtime and empty machines are pure lost revenue in this model, so tighter monitoring plus faster loader dispatch directly recovers dollars that are currently leaking.

Diligence notes

Verify the $590,130 cash flow against 24 to 36 months of processor settlement statements, not seller spreadsheets. Reconcile gross surcharge revenue, interchange, and all costs (cash cost of funds, armored carrier, servicing, processor fees, merchant rent shares) to confirm the number is true net owner cash flow and not gross margin dressed up.
Confirm merchant placement agreements and their transferability. Understand how many locations are under written contracts versus handshake arrangements, what the surcharge split with merchants looks like, and whether any anchor locations represent outsized concentration despite the 250-unit count.
Scrutinize the cash logistics and float. Determine who fronts the vault cash in each machine, the cost of that capital, and whether the buyer must supply working capital to keep 250 terminals loaded. This is often the hidden capital drag in ATM deals and can materially change the real return.
Assess terminal age, EMV/ADA compliance, and near-term replacement capex. A 15-year-old portfolio likely has machines nearing end of life, so quantify the deferred capital expenditure required over the next few years and whether it is embedded in the cash flow figure or a coming hit.
Confirm the durability and pricing of the third-party loader and servicing relationships that make this passive. Since the entire remote-ownership thesis depends on these vendors, verify they transfer at closing, understand their contract terms and renewal risk, and stress-test what happens to margins if a key provider raises rates.

Source

Originally listed on BizBuySell. View original listing →