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A 250-terminal South Carolina ATM portfolio generating $814,285 in annual cash flow, offered at $2,850,000. The operational structure is the key feature of this portfolio. The machines are third-party... Businesses Franchises Brokers Loading... Myrtle Beach ATM Portfolio: 250 Units | $814K Cash Flow Myrtle Beach, SC (Horry County) Asking Price:$2,850,000 Cash Flow (SDE):$814,285 EBITDA:Not Disclosed Gross Revenue:Not Disclosed Established:Not Disclosed Myrtle Beach ATM Portfolio: 250 Units | $814K Cash Flow Business Description Third Party Loaded | Fully Passive Established Business A 250-terminal South Carolina ATM portfolio generating $814,285 in annual cash flow, offered at $2,850,000. 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. The portfolio includes a meaningful presence across several South Carolina markets, including Myrtle Beach, Charleston, and Columbia. This listing is positioned around the Myrtle Beach market, which gives buyers exposure to a coastal, tourism-driven area with consistent retail, hospitality, and cash-access demand. This matters for transition and long-term ownership. The buyer is acquiring an established cash-flowing ATM portfolio with terminals already placed, merchant relationships already in place, and an operating structure already supporting the route. At approximately 250 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, established placements, and third-party 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 current cash flow. The seller is retiring. The exit is based on personal timing, not business performance. Ad#:2526353 Detailed Information Employees: 2 Full-time Facilities: Approximately 250 ATM terminals installed at active merchant locations across South Carolina. The portfolio includes placements across Myrtle Beach, Charleston, Columbia, and nearby surrounding markets.No traditional storefront, warehouse, or retail facility is included in the sale. The business value is tied to the installed ATM base, merchant placements, operating history, cash flow, and third-party managed infrastructure. Competition: The ATM market remains fragmented, with many routes operated by independent owners, regional operators, and smaller portfolio holders. Competitive position is typically driven by established merchant relationships, machine uptime, reliable servicing, and consistent cash availability. This portfolio’s advantage is its existing scale and operating structure. A buyer receives a large installed terminal base with third-party loading and service infrastructure already in place, rather than needing to build a route one location at a time. 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 may support 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: Myrtle Beach, SC Demographic Information for Myrtle Beach Area Household Income Population Age Population Trend Population by Race/Ethnicity BizBuySell EDGE Financial Benchmarks for South Carolina 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#:2526353 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 straightforward and hard to fake: surcharge income posts every time a customer pulls cash, and $814K in cash flow spread across 250 terminals means no single point of failure. This is transaction-based recurring revenue, not project work or one-off sales, which is exactly the profile you want for a debt-serviceable acquisition.
- The moat is placement and switching friction. Merchant relationships and physical terminal installs are sticky because a store owner rarely rips out a working machine to swap operators, and building a comparable route from scratch takes years of door-knocking. The buyer is acquiring density and relationships that cannot be quickly replicated.
- Cash access is durable through downturns. When the economy tightens, cash usage does not evaporate, and tourism-heavy coastal markets like Myrtle Beach keep pulling foot traffic through retail and hospitality venues. This is closer to a utility than a discretionary consumer product.
- The operator advantage here is that the hard part is already done. Third-party loading and servicing infrastructure transfers at close, only two employees are needed, and the seller stays through a 90-day handoff. An existing ATM operator could fold this into their route and strip duplicate loader and processing costs immediately.
How to improve it
- Run a full surcharge audit across all 250 terminals in the first 90 days. Coastal tourist locations can typically support higher withdrawal fees than the current settings assume, and even a $0.50 bump per transaction on high-traffic machines drops almost entirely to the bottom line.
- Pull per-machine transaction volume and rank every terminal. Underperforming units in low-traffic placements should be relocated to higher-footfall merchants or retired, while the top decile of machines deserves reliability investment to maximize uptime and revenue capture.
- Renegotiate the third-party loader and vendor contracts now that you control scale. The seller likely accepted legacy pricing, and 250 terminals gives you leverage to compress per-machine service and cash-in-transit costs, which flows straight to margin.
- Add placements around the existing footprint using the loader infrastructure that already covers these routes. Incremental machines in Myrtle Beach, Charleston, and Columbia carry near-zero marginal servicing cost because the trucks are already driving those corridors.
- Review merchant revenue-share splits and rent structures at each location. Some placements may be overpaying the host merchant relative to volume, and repricing or renewing those agreements protects the surcharge economics as terms come up.
- Build a real-time monitoring dashboard for machine uptime and cash-out events. Downtime is lost revenue in this business, and faster fault detection plus proactive replenishment on your busiest units directly lifts transaction counts.
Diligence notes
- Verify the $814,285 cash flow with 24 to 36 months of processor settlement statements, not seller summaries. Surcharge revenue is fully traceable through the processor, so demand raw transaction and settlement data per machine to confirm the number and check for any recent volume decline.
- Scrutinize the merchant placement agreements: term length, exclusivity, revenue splits, and cancellation rights. If a large share of cash flow sits with a handful of hosts on short-term or terminable contracts, that concentration and churn risk changes the multiple you should pay.
- Confirm the third-party loader and vendor relationships actually transfer at close and on what terms. The entire passive thesis depends on that infrastructure continuing, so get the loader contracts, pricing, and any change-of-control clauses in writing before you commit.
- Assess the age and condition of the terminal fleet and any looming EMV or compliance upgrade requirements. A wave of mandated hardware replacements across 250 machines could be a six-figure capex surprise that the current cash flow does not reflect.
- Check terminal count and revenue distribution for hidden concentration. The listing says no single machine is the whole business, but verify the Pareto curve, because if 20 percent of terminals drive 60 percent of cash flow, the real risk profile is narrower than 250 units implies.
- Understand the cash float and working capital requirements. Even with third-party loading, someone funds the vault cash in the machines, so confirm who owns the float, how much capital is tied up, and whether that obligation transfers to you at close.
Source
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