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A 286-terminal ATM portfolio generating $685,439.70 in annual cash flow, offered at $2,501,855. The operational structure is the key feature of this portfolio. The machines are third-party loaded and... Businesses Franchises Brokers Loading... Jacksonville ATM Portfolio: 286 Units | $685K Annual Cash Flow Jacksonville Beach, FL (Duval County) Asking Price:$2,501,855 Cash Flow (SDE):$685,439 EBITDA:Not Disclosed Gross Revenue:Not Disclosed Established:Not Disclosed Jacksonville ATM Portfolio: 286 Units | $685K Annual Cash Flow Business Description Established ATM Route | Third-Party Loaded | Fully Remote Business A 286-terminal ATM portfolio generating $685,439.70 in annual cash flow, offered at $2,501,855. The operational structure is the key feature of this portfolio. The machines are third-party loaded and professionally managed, meaning cash replenishment, machine service coordination, and field-level support are handled through an existing operating infrastructure. A buyer is not stepping into a route that requires personally loading machines or building a service network from scratch. This matters for transition and long-term ownership. The portfolio is already operating at scale, with hundreds of terminals placed across active merchant locations. The buyer is acquiring an established cash-flowing ATM portfolio with existing locations, existing operational processes, and a management structure already in place. The route has meaningful market concentration, with a large base of terminals in the Jacksonville metro and nearby surrounding submarkets. That concentration can make oversight, vendor coordination, location review, and future expansion more practical than a portfolio scattered across unrelated regions. At approximately 286 terminals, the portfolio provides income diversification across a broad placement base. No single machine or location is positioned as the entire value of the business. The strength is the combination of scale, cash flow, existing placements, and managed infrastructure. This opportunity is best suited for an existing ATM operator seeking expansion, a buyer looking for immediate scale, or an investor who understands the value of acquiring an established route rather than building one placement at a time. Growth opportunities may include new placements near the existing footprint, surcharge optimization, machine performance review, replacement or upgrade of selected terminals, and improved route-level efficiency. These opportunities are incremental to the current cash flow and are not the sole basis for the asking price. The seller is retiring. The exit is based on personal timing, not business performance. Ad#:2524954 Detailed Information Employees: 2 Full-time Facilities: 286 ATM terminals installed at active merchant locations. The portfolio includes a primary concentration in Jacksonville, with additional placements in nearby submarkets including Jacksonville Beach, Orange Park, Atlantic Beach, Ponte Vedra Beach, Saint Johns, and the Yulee/Fernandina Beach area. All machines are active and revenue-generating. Cash loading and maintenance handled entirely by third-party vendors under transferable contracts. No physical facility, warehouse, or vehicle included. Competition: ATM market has no dominant operator. The portfolio's competitive position is based on 15 years of established location presence across 286 sites. Regulatory enforcement against cashless ATM operations is a current tailwind for traditional retail ATM operators with compliant locations. Market fragmentation means competitive displacement at the location level is uncommon when service is consistent. Growth & Expansion: Growth opportunities include new terminal placements, surcharge optimization at high-volume locations, review of loader and service costs, and performance improvements across selected machines. The third-party loading infrastructure already in place supports additional unit deployment and route expansion. These opportunities are incremental to current cash flow and are not priced as guaranteed upside. Financing: No owner financing Support & Training: Includes 90 days of transition and training support. The handoff covers processor systems, third-party loader coordination, merchant communication, reporting tools, and portfolio performance monitoring. Existing loader and vendor relationships transfer at close, helping maintain continuity from day one. Sellers remain available throughout the transition period. Reason for Selling: Retirement. Business Location Location: Jacksonville Beach, FL Demographic Information for Jacksonville Beach Area Household Income Population Age Population Trend Population by Race/Ethnicity BizBuySell EDGE Financial Benchmarks for Florida Other Financial Services Businesses Gross Revenue Benchmarks Cash Flow (SDE) Benchmarks EBITDA Benchmarks 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 Phone Number 651-386-2824 Voice only (no SMS) Ad#:2524954 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. 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Why we like it
- Earnings quality is clean and largely passive: $685K of documented cash flow from 286 diversified terminals with only two employees and no facility overhead. Surcharge income is small-ticket and recurring across a broad base, so no single merchant or machine represents concentration risk that could crater the number overnight.
- The moat is placement and continuity, not technology. Fifteen years of established merchant relationships across 286 sites, combined with transferable third-party loader and vendor contracts, means a buyer inherits the hard-to-replicate part: the physical footprint and the operating infrastructure that keeps machines fed and serviced.
- Market tailwinds favor compliant retail ATM operators right now. Regulatory enforcement against cashless ATM operations is pushing volume back toward traditional surcharge terminals, and a fragmented market with no dominant player means displacement at the location level is rare when service stays consistent.
- The operator advantage is real for a strategic buyer. An existing ATM operator can bolt this route onto current loader and processor relationships, strip duplicate overhead, and immediately gain scale in a defined metro rather than building placements one merchant at a time.
How to improve it
- Run a full surcharge audit across all 286 terminals in the first 90 days. High-traffic locations are often underpriced on surcharge fee, and even a $0.25 to $0.50 lift on top-decile machines flows almost entirely to the bottom line given fixed loader costs.
- Rank every terminal by net contribution and cull or relocate the bottom performers. Machines that barely cover their loader and service cost drag margin, and redeploying those units to higher-traffic sites within the existing footprint improves route-level efficiency without new capital.
- Renegotiate the third-party loader and vendor contracts at scale. With 286 terminals under one buyer, there is leverage to compress per-machine loading and service fees, and shaving even a modest percentage off vendor cost directly expands cash flow.
- Densify the existing footprint with targeted new placements. The metro concentration and in-place loader infrastructure make incremental placements near current sites cheap to service, so a disciplined sales push for new merchant locations compounds cash flow on existing overhead.
- Upgrade or replace aging terminals selectively to reduce downtime and support EMV and contactless. Machine outages are lost surcharge revenue, and modern units cut service calls while enabling higher-availability locations that merchants prefer to keep.
- Build a simple performance dashboard tracking uptime, transactions, and surcharge revenue per machine. Route economics are entirely a numbers game, and tight monthly visibility lets an operator catch declining locations early and reallocate before revenue leaks.
Diligence notes
- Verify the $685,439 cash flow with processor settlement statements and bank deposits over at least 24 months. ATM income should be fully traceable through the processor, so demand raw transaction and surcharge reports per terminal rather than a summary spreadsheet, and confirm the definition of cash flow is net of all loader, vendor, and processing fees.
- Scrutinize the merchant location agreements and their transferability. Confirm how many placements are under written contracts versus handshake arrangements, what surcharge splits or rent the merchants receive, and whether any large locations can terminate or move to a competitor at will.
- Confirm the third-party loader and vendor contracts actually transfer at close and lock the pricing. The entire passive-ownership thesis depends on this infrastructure staying in place, so review the contracts for change-of-control clauses, term length, and any pricing resets that would hit margin post-close.
- Analyze transaction trends per terminal to detect declining machines. Cash usage is in secular decline in many segments, so pull multi-year volume by location to separate the regulatory tailwind from underlying erosion, and identify whether the top locations are stable or fading.
- Assess compliance and regulatory exposure directly. Confirm all terminals are EMV compliant, ADA compliant, and properly registered, and understand the seller's claim about cashless enforcement to gauge how much of the recent performance depends on a tailwind that could shift.
Source
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