Multi-State ATM Portfolio, ~250 Terminals, Fully Managed

$820K

SDE

3.5x

Multiple

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Full Editorial Writeup

Multi-State ATM Portfolio | Fully Managed | Established Cash Flow This opportunity offers the acquisition of an established ATM portfolio consisting of approximately 250 active terminals operating... Businesses Franchises Brokers a6301374279843840.cdn.optimizely.com a6301374279843840.cdn.optimizely.com is blocked This page has been blocked by an extension Try disabling your extensions. ERR_BLOCKED_BY_CLIENT Reload This page has been blocked by an extension Loading... 250-Terminal Multi-State ATM Portfolio | $820K Annual Cash Flow San Francisco, CA (San Francisco County) Asking Price:$2,870,000 Cash Flow (SDE):$820,000 EBITDA:Not Disclosed Gross Revenue:Not Disclosed Established:Not Disclosed 250-Terminal Multi-State ATM Portfolio | $820K Annual Cash Flow Business Description Established portfolio | Diversified placements across multiple states Multi-State ATM Portfolio | Fully Managed | Established Cash Flow This opportunity offers the acquisition of an established ATM portfolio consisting of approximately 250 active terminals operating across multiple U.S. markets. The portfolio generates approximately $820,485 in annual cash flow and is offered at $2,870,000. The defining advantage of this opportunity is its operating structure. Cash loading, servicing, maintenance coordination, vendor management, reporting, and day-to-day operations are handled through an established professional management infrastructure. The buyer is not expected to personally replenish machines, source service providers, coordinate field technicians, or build a vendor network after closing. The portfolio has been structured to provide ownership oversight without requiring hands-on route operation. This is an existing cash-flowing business rather than a start-up route. The machines are already installed at active merchant locations, with operating procedures, reporting systems, service relationships, and management processes currently in place. The multi-state footprint provides diversification across a broad placement base. Business performance is not dependent on one terminal, merchant, city, state, or local economy. The portfolio’s value is supported by the scale of its installed network, established merchant placements, current cash flow, and professional operating structure. This opportunity may suit a high-income professional seeking business ownership without creating another full-time job, an investor looking for a professionally managed cash-flowing asset, or an existing ATM operator seeking immediate scale without expanding its own field operation. Potential growth opportunities include placing additional terminals within the current operating footprint, expanding through existing merchant relationships, reviewing surcharge levels, upgrading selected machines, and improving performance across individual locations. These opportunities are incremental to current operations and are not presented as guaranteed future earnings. The seller is retiring. The sale is based on personal timing and portfolio maturity.. Ad#:2535667 Detailed Information Employees: 1 Full-time fully managed portfolio Facilities: The portfolio consists of approximately 250 active ATM terminals installed at merchant locations across multiple U.S. markets.No traditional storefront, retail premises, warehouse, customer-facing office, or vehicle is included in the sale.The principal business assets include:- Installed ATM terminals- Active merchant placements- Operating history- Established cash flow- Processor and reporting systems- Vendor and service relationships- Professional management infrastructureExact terminal locations and detailed portfolio information will be made available to qualified buyers during due diligence. Competition: Competitive strength is generally determined by merchant retention, dependable cash availability, consistent machine uptime, responsive servicing, and the ability to manage a broad terminal network efficiently. This portfolio benefits from meaningful scale, geographic diversification, active merchant placements, and an established professional operating structure. A buyer acquires an existing portfolio rather than having to secure locations and build the route one merchant at a time. Growth & Expansion: The existing loading, servicing, and management infrastructure supports further terminal deployment without requiring the buyer to establish a separate field operation.Future growth is not included as guaranteed income. Financing: No owner financing. Support & Training: Transition support will cover:- Processor and reporting systems- Portfolio performance monitoring- Merchant communication procedures- Financial and operational reporting- Service and maintenance processes- Vendor coordination- Ownership oversight proceduresCash loading, servicing, maintenance coordination, vendor management, reporting, and day-to-day operations are handled through an established professional management infrastructure.The buyer is not required to personally load machines or build a separate service and vendor network. Reason for Selling: retirement 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#:2535667 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. Send Message By clicking the button, you agree to BizBuySell’s Terms of Use and Privacy Notice Business Listed By: Daniel Brooks 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. 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Why we like it

The cash flow is real and simple to underwrite: surcharge fees on ~250 machines producing about $820K a year at a 3.5x multiple. This is transactional, recurring behavior tied to cash withdrawal, not a one-time discretionary purchase, which gives the top line a boring, dependable quality.
Diversification is the structural moat here. With no single terminal, merchant, or state carrying the portfolio, one lost location or one soft local economy barely moves the needle, which is exactly the risk profile you want in a cash-flowing asset.
ATM usage holds up in a downturn because cash withdrawal is an essential utility, not a splurge. If anything, tighter budgets and cash-preferring consumers can support transaction volumes, making this closer to recession-resistant than most SMB deals in this price range.
The management infrastructure is already in place, so the operator advantage is oversight rather than sweat. A disciplined buyer can focus on surcharge optimization, underperforming-machine pruning, and footprint expansion instead of building a field service operation from scratch.

How to improve it

Audit surcharge pricing across all 250 terminals in the first 90 days. Many portfolios leave money on the table with stale fee levels, and even a modest per-transaction increase at high-volume machines flows almost entirely to the bottom line given fixed servicing costs.
Rank every terminal by transactions and net contribution, then cut or relocate the bottom decile. Underperforming placements consume cash-loading and servicing cost while contributing little, so pruning or redeploying them tightens margins immediately.
Renegotiate host merchant splits and processor rates. At 250-terminal scale you have leverage on both processing fees and merchant revenue-share agreements that a smaller route lacks, and even a few basis points across the network compounds meaningfully.
Expand within the existing footprint using current merchant relationships. Adding terminals into locations and chains you already serve is the cheapest customer acquisition available and leverages the management infrastructure already being paid for.
Institute real-time uptime and cash-out monitoring with alerting. Downtime and empty machines are pure lost revenue in this business, so tightening the operational reporting to minimize outages directly protects and grows cash flow.
Evaluate selective machine upgrades to newer, EMV-compliant, higher-reliability units at top locations. Modern hardware reduces service calls and downtime and can support higher transaction throughput at the busiest sites.
Build a light acquisition pipeline to bolt on smaller local routes. This portfolio's management structure can absorb additional terminals with minimal incremental overhead, so tuck-in acquisitions of retiring operators can compound the base cheaply.

Diligence notes

Verify the $820K cash flow with 24 to 36 months of processor settlement statements, not seller summaries. Confirm whether the figure is net of cash-loading interest cost, the third-party management fee, vendor charges, and merchant revenue shares, because ATM 'cash flow' is often quoted gross of the very costs that make it passive.
Scrutinize the management arrangement that makes this hands-off. Understand who provides it, the contract terms, the fee, whether it transfers to a new owner, and what happens if that provider raises prices or exits, since the entire passive thesis depends on that relationship staying intact.
Confirm actual terminal count, ownership of the machines, and merchant contract status. Get the location-by-location list, machine ownership versus leased, remaining contract terms, and any exclusivity or surcharge-share terms, then assess terminal-level revenue concentration despite the diversification claim.
Assess the working capital and cash float requirement. Someone funds the vault cash sitting in these machines, so quantify how much cash is tied up, who supplies it today, and whether that capital transfers or must be sourced by the buyer post-close.
Investigate regulatory and processing risk. ATM operators face KYC/AML sponsorship requirements, processor relationships, and interchange/surcharge rules, so confirm the sponsor bank arrangement, compliance history, and any exposure to processing rate changes or account termination.
Pressure test the retirement narrative and revenue trend. With no owner financing offered, model whether volumes have been flat, growing, or declining over the trailing three years and whether cash usage trends in the served markets support the durability of the multiple.

Source

Originally listed on BizBuySell. View original listing →