250-Unit South Carolina ATM Portfolio, 13-Year Vendor-Loaded Route

$820K

SDE

3.5x

Multiple

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Approximately 250-terminal South Carolina ATM portfolio generating $820,485 in annual cash flow. Asking price: $2,870,000. This established ATM portfolio gives a buyer immediate access to... Businesses Franchises Brokers Loading... 250-Unit ATM Portfolio | $820K Annual Cash Flow | Fully Vendor Loaded Summerville, SC (Dorchester County) Asking Price:$2,870,000 Cash Flow (SDE):$820,485 EBITDA:Not Disclosed Gross Revenue:Not Disclosed Established:Not Disclosed 250-Unit ATM Portfolio | $820K Annual Cash Flow | Fully Vendor Loaded Business Description 13-year operating history | Fully Passive | Professionally Managed Approximately 250-terminal South Carolina ATM portfolio generating $820,485 in annual cash flow. Asking price: $2,870,000. This established ATM portfolio gives a buyer immediate access to approximately 250 active terminals operating across several key South Carolina markets. The business has been structured for passive ownership. Cash replenishment is handled by third-party providers, while service coordination, field support, and day-to-day operational requirements are managed through an established professional infrastructure. A new owner can acquire a functioning portfolio without personally loading machines or creating a service network from the ground up. The portfolio includes locations throughout Charleston, Myrtle Beach, Columbia, and surrounding markets. This listing highlights the Charleston-area footprint, providing exposure to one of South Carolina’s leading commercial, hospitality, tourism, and population-growth markets. This is an established operating portfolio, not a newly developed ATM route. The terminals are already installed at active merchant locations, placement relationships are in place, and the business has an existing history of revenue and cash flow. With approximately 250 terminals, the portfolio is diversified across a substantial base of merchant locations. Performance is not dependent on a single machine, customer, or placement. Its value is supported by the scale of the installed network, the established annual cash flow, and the third-party management systems already supporting operations. The opportunity may suit an experienced ATM operator seeking immediate expansion, an investor looking for an established cash-flowing asset, or a buyer who wants a defined regional portfolio without developing hundreds of placements individually. Potential growth may be available through additional placements within the existing service area, surcharge adjustments, terminal-by-terminal performance reviews, strategic machine upgrades, and improvements to operating costs. Any optimization or expansion would be incremental to the portfolio’s current reported cash flow of $820,485. The seller is retiring. The decision to sell is based on personal timing and is not related to declining business performance. Ad#:2530053 Detailed Information Employees: 2 Full-time Facilities: The portfolio consists of approximately 250 ATM terminals installed at active merchant locations throughout South Carolina, including Charleston, Myrtle Beach, Columbia, and nearby surrounding markets.The sale does not include a conventional storefront, retail premises, or warehouse. The primary business assets are the installed ATM network, existing merchant relationships, operating history, established cash flow, and third-party loading and management infrastructure. Competition: The ATM industry is highly fragmented and includes independent route owners, smaller portfolio operators, and regional ATM businesses. Competitive strength is generally determined by the quality of merchant relationships, consistent machine uptime, dependable cash replenishment, responsive servicing, and reliable operating systems. This portfolio enters the market with meaningful scale already in place. A buyer acquires an established network of terminals supported by third-party loading and service relationships, rather than having to secure and develop each location individually. Growth & Expansion: Potential growth strategies include placing additional terminals within the existing geographic footprint, reviewing surcharge levels at stronger-performing locations, evaluating loading and servicing expenses, upgrading selected machines, and improving the performance of underutilized terminals.The current third-party loading and servicing structure may also support further expansion without requiring the buyer to develop an entirely new operating system.These opportunities represent potential upside beyond the existing cash flow and are not presented as guaranteed future earnings. Financing: No owner financing Support & Training: The seller will provide 90 days of transition assistance and training.Support will include an introduction to processor systems, coordination with third-party cash loaders, merchant communication procedures, reporting platforms, vendor relationships, and portfolio performance monitoring.Existing loader and service-provider relationships are expected to transfer with the business at closing, helping preserve operating continuity throughout the ownership transition. The sellers will remain available during the agreed support period to assist with the handover. Reason for Selling: Owners retiring Business Location Location: Summerville, SC Financial Benchmarks for South Carolina Other Financial Services Businesses Gross Revenue Benchmarks Cash Flow (SDE) Benchmarks EBITDA Benchmarks BizBuySell EDGE Demographic Information for Summerville 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: Mike Carter Ad#:2530053 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. Optional: Check if you want to use IRA/401k funds ($75K+) to buy a biz - Guidant will call Send Message By clicking the button, you agree to BizBuySell’s Terms of Use and Privacy Notice Business Listed By: Mike Carter Your request has been sent. What Happens Next? is reviewing your details. A representative will reach out soon to discuss your options. Expect a response in 1-2 business days. Report an issue with this listing Similar Listings Other Financial Services Businesses for Sale All Businesses for Sale in Dorchester County All Businesses for Sale in Summerville, SC Established Multi-Partner CPA Firm With Sophisticated Client Base SC Asking: $3,900,000 Wellness Center Property For Sale Myrtle Beach, SC Asking: $6,500,000 Charleston ATM Portfolio: 250 Units | $814K Cash Flow | Vendor Loaded Summerville, SC Asking: $2,850,000 Blue Coast Savings Consultants Franchise Opportunity In SC Cash Required: $24,900 Â©2026 CoStar Group Send Message Listing Shared via Email Buy a Business Search for a Business Established Businesses Asset Sales How to Buy a Business Buy a Franchise Search Franchises For Sale Low Cost Franchises Restaurant and Food Franchises Business Opportunities Retail Franchises Sell a Business Sell a Business on BizBuySell Sell Multiple Businesses How to Sell a Business Value a Business Find a Broker Tools & Advice Learning Center Finance Center Market Insights Financial Benchmarks Business for Sale Blog Business Brokers Find a Broker For Brokers My BizBuySell Dashboard My Business Selling My Listings Guide to Selling Add a New Listing Searching My Saved Listings My Saved Searches Franchise Recommendations BizBuySell Edge Edge Preferences

Why we like it

Earnings quality is straightforward: surcharge revenue is collected transaction-by-transaction across roughly 250 machines, so cash flow is diversified and not dependent on any single placement or merchant. The 13-year operating history gives a real track record rather than a projection, and $820K of cash flow at 3.5x is a reasonable entry multiple for an asset-backed route.
The moat is placement and scale. Merchant relationships and installed footprint are sticky because location owners rarely swap out a working ATM, and 250 terminals give this portfolio meaningful density that a new entrant would spend years assembling. Competitive strength in this industry comes from uptime and reliable loading, both already handled by transferring third-party vendors.
Cash usage is durable. People withdraw cash in good times and bad, and surcharge income holds up in a downturn far better than discretionary retail or services. Placement in high-traffic tourism and hospitality markets like Charleston and Myrtle Beach supports steady transaction volume.
The operator advantage is that this is genuinely passive as sold, run by two employees with loading and servicing outsourced. A buyer with existing ATM operations or a capital allocator looking for hands-off cash flow can absorb it without building infrastructure, and an experienced operator could layer in more placements using the same vendor network.

How to improve it

Run a terminal-by-terminal performance review in the first 90 days to identify underperforming machines. Relocate or remove the bottom decile and redeploy capital into higher-traffic sites, which lifts revenue per terminal without adding overhead.
Audit surcharge levels across the portfolio and test increases at the strongest tourism and hospitality locations. Cash users at high-traffic sites are the least price-sensitive, and even a modest surcharge bump flows almost entirely to the bottom line.
Renegotiate the third-party loading and servicing contracts once the transfer is complete. Loading and armored-carrier fees are the largest variable cost in an ATM route, and consolidating volume or rebidding vendors can meaningfully expand margin.
Add placements within the existing footprint using the same vendor infrastructure. New locations in already-covered markets carry low incremental service cost, so each added terminal is high-margin growth rather than a new operating system.
Upgrade aging or low-reliability terminals to reduce downtime and cut service calls. Every hour a machine is offline is lost surcharge revenue, and modern units with better uptime and EMV compliance protect both income and merchant relationships.
Tighten merchant contracts and revenue-share terms where placements are on legacy or verbal agreements. Locking in multi-year placement agreements protects the core asset and makes the portfolio more defensible and more sellable later.

Diligence notes

Investigate the near-identical sister listing (250 units, $814K cash flow, $2,850,000) in the same market from the same area. Confirm whether this is the same portfolio relisted, an overlapping offering, or a genuinely separate route, because it directly affects what you are actually buying.
Verify the $820,485 cash flow with processor settlement reports and transaction-level data by terminal for at least 24 to 36 months. ATM income is fully traceable through the processor, so demand raw statements rather than a seller-prepared summary and confirm surcharge and interchange splits.
Confirm the ownership status of the physical machines and whether any are leased, financed, or subject to vendor liens. Since the hard assets are the collateral in this deal, you need clear title to roughly 250 terminals and a schedule of age, model, and EMV compliance.
Pressure-test the transferability of merchant placement agreements and the third-party loading/servicing relationships. If placements are informal or vendors can renegotiate on change of control, the passive cash flow assumption weakens, so review contract terms and consent requirements before closing.
Scrutinize the true operating cost stack including loading fees, armored transport, insurance, cash float requirements, and the two employees. Confirm the reported cash flow is net of realistic vault cash carrying costs and that working capital for cash-in-machines is accounted for outside the purchase price.

Source

Originally listed on BizBuySell. View original listing →