285-Unit ATM Portfolio, 15-Year Northeast Florida Route

$680K

SDE

3.7x

Multiple

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Full Editorial Writeup

Established Florida ATM portfolio with approximately 285 terminals, producing $680,000 in annual cash flow. Asking price: $2,485,545. This opportunity offers a buyer immediate ownership of a large,... <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... 285-Unit ATM Portfolio | $680K Annual Cash Flow | Fully Vendor Loaded Jacksonville Beach, FL (Natrona County) Asking Price:$2,485,545 Cash Flow (SDE):$680,000 EBITDA:Not Disclosed Gross Revenue:Not Disclosed Established:Not Disclosed 285-Unit ATM Portfolio | $680K Annual Cash Flow | Fully Vendor Loaded Share This Listing 285-Unit ATM Portfolio | $680K Annual Cash Flow | Fully Vendor 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 Established ATM Route | Third-Party Loaded | Fully Remote Business Established Florida ATM portfolio with approximately 285 terminals, producing $680,000 in annual cash flow. Asking price: $2,485,545. This opportunity offers a buyer immediate ownership of a large, operating ATM portfolio supported by an established third-party service structure. Cash replenishment, maintenance coordination, and field-level servicing are handled by outside vendors. The portfolio can therefore be managed remotely without requiring the owner to personally load cash, service machines, or develop a new vendor network after acquisition. The business is already operating at scale. Approximately 286 terminals are installed at active merchant locations, with operating procedures, processor systems, vendor relationships, and portfolio-management processes currently in place. A buyer is acquiring an established route with historical cash flow rather than starting with unplaced machines and building individual merchant relationships over time. A significant portion of the portfolio is concentrated throughout the Jacksonville metropolitan area and surrounding communities. This regional density supports more efficient oversight, vendor coordination, location analysis, and future expansion than a route spread across disconnected markets. The portfolio includes placements in Jacksonville, Jacksonville Beach, Orange Park, Atlantic Beach, Ponte Vedra Beach, Saint Johns, and the Yulee and Fernandina Beach area. With approximately 286 terminals across a broad merchant base, the business is not dependent on one machine or one location. Its value is supported by the size of the installed network, established placement history, current annual cash flow, and the third-party infrastructure responsible for loading and servicing the machines. This opportunity may appeal to an established ATM operator seeking immediate expansion, an investor looking for a remotely managed cash-flowing portfolio, or a buyer who recognizes the value of acquiring operating placements rather than building a route one merchant at a time. Potential growth strategies include placing additional terminals within the existing geographic footprint, reviewing surcharge levels at higher-volume locations, evaluating loading and service expenses, replacing or upgrading selected machines, and improving the performance of individual terminals. These opportunities represent potential upside beyond the portfolio’s current $680,000 in annual cash flow and are not included as guaranteed future earnings. The seller is retiring. The sale is driven by personal timing and is not related to declining business performance. Ad#:2530077 Detailed Information Facilities: The portfolio consists of approximately 285 ATM terminals installed at active merchant locations throughout Northeast Florida.The largest concentration is within the Jacksonville metropolitan area, with additional placements in Jacksonville Beach, Orange Park, Atlantic Beach, Ponte Vedra Beach, Saint Johns, and the Yulee and Fernandina Beach area.The terminals are active and revenue-generating. Cash loading and machine maintenance are handled by third-party vendors through transferable service arrangements.No physical storefront, warehouse, office, or vehicle is included in the sale. The primary assets are the installed ATM network, merchant placements, operating history, cash flow, vendor relationships, and supporting management infrastructure. Competition: The ATM industry remains fragmented, with no single operator controlling the broader market. Routes are typically owned and managed by independent businesses, regional operators, and portfolio investors. This portfolio’s competitive position is supported by approximately 15 years of established location presence across its merchant base. Long-standing placements, dependable cash availability, consistent machine uptime, and responsive service can make displacement less likely when merchant relationships are properly maintained. Ongoing enforcement affecting noncompliant cashless ATM models may also benefit established traditional ATM operators with compliant machines and active retail placements. A buyer receives an operating network of approximately 285 terminals rather than having to compete for and establish each placement individually. Growth & Expansion: Expansion opportunities may include adding machines near the existing Jacksonville-area footprint, reviewing surcharge pricing at higher-transaction locations, evaluating third-party loading and service expenses, upgrading selected terminals, and improving performance at lower-volume placements.The existing loading, servicing, and vendor infrastructure may support additional terminal deployment without requiring the buyer to create a new operating system.Any future expansion or optimization would be incremental to the current $680,000 in annual cash flow and is not presented as guaranteed upside. Financing: No owner financing Support & Training: The seller will provide 90 days of transition assistance and training.The handover will cover processor platforms, reporting systems, third-party cash-loader coordination, vendor management, merchant communication, service procedures, and portfolio-performance monitoring.Existing loader, maintenance, and vendor relationships are expected to transfer at closing, helping preserve operational continuity from the first day of ownership. The sellers will remain available throughout the agreed transition period to assist with the transfer. Reason for Selling: Owner retiring Business Location Location: Jacksonville Beach, FL Financial Benchmarks for Florida Other Financial Services Businesses Gross Revenue Benchmarks Cash Flow (SDE) Benchmarks EBITDA Benchmarks BizBuySell EDGE Demographic Information for Jacksonville Beach 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 Detai

Why we like it

Earnings quality is genuinely passive if the vendor arrangements hold. Cash loading, maintenance, and field servicing are outsourced, so the $680K is closer to true owner-benefit cash flow than a business where the owner is also the operator. That makes this one of the rare SMB deals where absentee ownership is the actual model, not a marketing claim.
The moat is diversification and inertia. With roughly 285 terminals across a broad merchant base, no single machine or location sinks the number, and 15 years of placement history plus reliable uptime makes merchants unlikely to swap operators. Displacement is a slow, one-location-at-a-time grind, which protects the installed base.
This is recession-resistant by nature. ATM surcharge revenue tracks foot traffic and cash usage at convenience stores, bars, and retail, which do not vanish in a downturn and often benefit as consumers lean on cash. Regulatory enforcement against noncompliant cashless ATM models is a tailwind for compliant traditional operators like this one.
Geographic density is a real operator advantage. Concentration in the Jacksonville metro lets a buyer add terminals inside the existing footprint, renegotiate loader and service costs at scale, and tune surcharge pricing without building new vendor infrastructure. The bones for incremental expansion are already in place.
The multiple is reasonable for a truly hands-off cash flow stream. At 3.66x on outsourced-service cash flow, you are paying a services-business price for something closer to a managed portfolio. If the transaction-count and surcharge data hold up, the risk-adjusted yield is attractive versus operator-intensive SMBs at similar multiples.

How to improve it

Audit surcharge pricing terminal by terminal in the first 90 days. Higher-volume locations can often absorb a 25 to 50 cent surcharge bump with minimal transaction attrition, and even modest increases flow almost entirely to the bottom line given fixed servicing costs.
Renegotiate the third-party loader and maintenance contracts once you understand the true cost per terminal. Vendor spend is the single largest controllable expense on an outsourced route, and consolidating volume or re-bidding the service agreements can meaningfully lift net cash flow.
Identify and cull the bottom decile of terminals by transaction count. Low-volume machines still incur loading and service costs; either relocate them to higher-traffic merchants or retire them so servicing dollars concentrate on productive placements.
Use the existing vendor and processor infrastructure to add placements inside the current footprint. Because loading routes and merchant relationships already exist, each new terminal in the Jacksonville metro carries low marginal setup cost and adds incremental cash flow.
Upgrade aging or non-EMV-compliant hardware proactively. Modern terminals reduce downtime, cut service calls, and keep you compliant, and reliable uptime is exactly what keeps merchants from switching operators.
Build a simple portfolio dashboard tracking transactions, surcharge revenue, uptime, and cost per terminal at the machine level. This turns a black-box route into a managed asset and surfaces underperformers and vendor overcharges quickly.
Pursue tuck-in acquisitions of smaller local routes now that you have a management system and vendor base. The ATM industry is fragmented with retiring operators, and bolting on nearby routes spreads fixed oversight costs and compounds cash flow.

Diligence notes

Verify the $680K cash flow with 24 to 36 months of processor settlement statements, not seller estimates. Pull transaction counts and surcharge revenue by terminal so you can see concentration, trend, and any recent decline hidden inside a portfolio average.
Scrutinize the merchant placement agreements. Confirm how many are under written contract versus handshake, what the terms and expirations are, whether they are assignable, and how revenue shares or rent-to-merchant arrangements affect net margin.
Confirm the third-party vendor arrangements truly transfer at closing and at what cost. The entire absentee thesis depends on the loader, maintenance, and cash-replenishment relationships surviving the sale, so review those contracts, pricing, and any change-of-control clauses.
Assess the machine fleet condition and EMV/compliance status. Determine the age of the terminals, upcoming replacement capex, and any exposure to cashless-ATM enforcement, since deferred hardware spend can quietly erode the cash flow you are underwriting.
Check the cash logistics and float requirements. ATM routes require significant working capital to keep machines loaded, so quantify the cash float, insurance and armored-carrier costs, and any exposure to cash-in-transit theft or shrinkage.
Validate the roughly 15-year operating history and reason for sale. The seller cites retirement, which fits, but confirm there is no clustered lease loss, merchant churn, or vendor price increase looming that would undercut the historical numbers post-close.

Source

Originally listed on BizBuySell. View original listing →