ACFN

ACFN

ACFN franchisees operate as part of the ACFN automated teller machine (ATM) network, providing ATM services, financial transaction processing, and related financial services to businesses and individuals. Franchisees market and install ATMs at no cost to host locations such as hotels, retail stores, entertainment, and travel-based businesses, performing all maintenance while the franchisor monitors the network and authorizes transactions across major ATM networks. The business model generates revenue from surcharged transactions, with payments shared to host businesses, targeting high-traffic commercial venues.

233
Locations
$38K–$60K
Investment
Since 2003
Franchising
ServicesSan Jose, CAwww.acfnfranchise.comDisclaimer

Franchise Costs


Franchise Fee
$25,000
Item 5 of FDD
Initial Investment Range
$37,838 $59,921
Low: $37,838High: $59,921
Item 7 of FDD
Royalty Rate
N/A
Brand Fund
1.00%
Item 6 of FDD
Fixed Monthly Fees
$12 – $231
Item 6 of FDD

1% Regional/National Brand Fee + $12/mo per ATM administration fee + tiered Virtual Office Fee ($0 if < $750 monthly share, otherwise $50-$150+/mo) + $12.50-$15/mo wireless connection per wireless ATM

Financial Performance


Item 19 Financial Performance

Average Gross Revenue
$0
Median Gross Revenue
$0
Top Quartile Revenue
$0
Bottom Quartile Revenue
$0

Data Based On: Projections for franchisee annual earnings across 36 different scenarios, covering operations with 1, 5, or 10 ATMs, each with daily surcharge transactions ranging from 1 to 12 per ATM.

* The financial performance data presented in the tables are 'Possible Results of ACFN Franchisee Operating 1 ATM, 5 ATMs and 10 ATMs', representing projections of future financial performance for various scenarios (number of ATMs operated by a franchisee and daily transaction rates per ATM). The 'Annual Total' (Annual Amount Paid to Franchisee) from all 36 projected scenarios (12 for 1 ATM, 12 for 5 ATMs, 12 for 10 ATMs) was used to calculate the average, median, and quartile figures. These figures do not represent the actual historical performance of a sample of existing franchisees. The document explicitly states that the figures in the tables do not reflect the cost of sales, operating expenses, or other costs or expenses that must be deducted from the gross revenue or gross sales figures to obtain net income or net profit; therefore, net income, net profit, EBITDA, and profit range estimates are set to null.

Extracted Item 19 Section

How ACFN Compares


Key Insights

  • Lower investment than 82% of Business Services franchises
  • Higher than average SBA loan default rate in Business Services
FranchiseInvestmentFeeRoyaltyLocations
ACFN
Current
$38K – $60K$25KN/A233
Bimbo Foods Bakeries Distribution, LLC$14K – $607KN/AN/A6,454
THE UPS STORE (TRADITIONAL)$216K – $609K$30K5.0%4,500
JACKSON HEWITT TAX SERVICE$71K – $105K$25K15.0%2,744
CRUISE PLANNERS$2K – $21K$11K3.0%2,655
SERVPRO (UNIT)$259K – $380K$100K10.0%2,286
Business Services Average
188 franchises
$118K – $284K$46K10.4%

* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 188 Business Services franchises by location count.

Locations & Growth


Outlet Growth Over Time

Total outlets at end of each year

Geographic Distribution (2024)

Outlets by state across the United States

Top States
1CA
45
2TX
24
3FL
17
4NY
14
5IL
12
6VA
11
7MD
9
8NJ
7
9AZ
7
10NV
6
11GA
6
12MI
5
13PA
5
14CO
5
15NC
5

+25 more states

SBA Loan History


Historical SBA 7(a) loan data for ACFN franchisees (20142014)

Total Loans
2
Average Loan
$35,400
Total Volume
$0.1M
Default Rate
0.0%

Loans by Year

SBA 7(a) loan activity over time

* Data sourced from SBA 7(a) FOIA loan records. Default rate calculated from charged-off loans.

Franchisee Contacts


246 franchisee contacts on file from official FDD filings.

NameSBA Loan
John Smith
ABC Franchise LLC
$350,000
2023 · Active
John Smith
ABC Franchise LLC
$350,000
2023 · Active
John Smith
ABC Franchise LLC
$350,000
2023 · Active
John Smith
ABC Franchise LLC
$350,000
2023 · Active
John Smith
ABC Franchise LLC
$350,000
2023 · Active

246 Contacts Available

Unlock all ACFN franchisee contacts with verified contact information

Due Diligence


Litigation (Item 3)

Franchisee Cases0
No litigation involving franchisees reported

Bankruptcy (Item 4)

Bankruptcy HistoryNo
No bankruptcy history reported

System Health (Item 20)

Franchise system changes reported in the most recent fiscal year

Terminations
0
Non-Renewals
0
Reacquired
0
Ceased Ops
12
Transfers
12
Sold to Franchisees
0
Projected New
23

Frequently Asked Questions


The total initial investment to open a ACFN franchise ranges from $37,838 to $59,921. This includes a franchise fee of $25,000.

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Also includes FDDs for

THE UPS STORE (TRADITIONAL)
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AMERIPRISE FINANCIAL SERVICES LLC
AMERIPRISE FINANCIAL SERVICES LLC
JACKSON HEWITT TAX SERVICE
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SERVPRO (UNIT)
SERVPRO (UNIT)
H&R BLOCK
H&R BLOCK
+1,700 more