How much revenue does a ACFN franchise make?

ACFN does disclose financial performance data (Item 19) in their 2026 FDD, including average and median gross revenue figures. Get full access to see the exact revenue numbers and detailed financial breakdown.

How many ACFN franchise locations are there?

As of the 2026 FDD, ACFN has 210 franchise locations. The company has been franchising since 2003.

Can you get an SBA loan for a ACFN franchise?

Yes, SBA loans are available for ACFN franchises. We have historical SBA 7(a) loan data on file including approval counts, average loan amounts, and default rates. Get full access to see the complete SBA loan history.

Is ACFN a good franchise to buy?

ACFN shows several positive indicators: established brand with 210+ locations, transparent financial performance data (Item 19), low SBA loan default rate. However, franchise success depends on many factors including location, local market conditions, and owner involvement. We recommend speaking with existing franchisees and consulting with a franchise attorney before making a decision.

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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.

FDD Year:

210locations

$38K–$58K

Since 2003

ServicesSan Jose, CAwww.acfnfranchise.comDisclaimer

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Franchise Costs

Franchise Fee

$25,000

Initial Investment

$37,561 – $58,211

Royalty Rate

N/A

Brand Fund

1.25%

Fixed Monthly Fees

$12 – $200

1.25% Net Revenue brand fee + $12/mo per ATM administration fee + tiered virtual office fee ($0-$150+/mo) + $8.95-$13.50/mo per wireless ATM

Financial Performance

Item 19 Financial Performance

Average Gross Revenue

$83,440.05

Median Gross Revenue

$71,884.8

Top Quartile Revenue

$101,836.8

Bottom Quartile Revenue

$41,932.8

Average Net Profit

$40,315.99

Data Based On: 183 ACFN franchisees operating 2,554 ATMs as of September 30, 2025.

* Calculated weighted average annual gross revenue and annual net profit (Paid to Franchisee) per franchisee. Each franchisee's performance was estimated based on the number of ATMs they own, assuming each ATM processes 4 surcharge transactions per day (based on franchisor's recommendation for 'better results'). Annual Gross Revenue per ATM = $499.20 (monthly Fees Collected for 4 tran/day) * 12 = $5,990.40. Annual Net Profit per ATM = $2,894.40 (annual Paid to Franchisee for 4 tran/day). The distribution of franchisees by number of ATMs owned (Page 7) was used for weighting. For ranges like 'Less than 5 ATMs', midpoints were used (e.g., 3 for 'Less than 5', 7 for '5 to 9', etc.). For '40+ ATMs', an average of 44 ATMs per franchisee was derived by calculating the remaining total ATMs (2,554 total ATMs - sum of ATMs in other categories) and dividing by the number of franchisees in this category. Median and quartiles were calculated from the list of derived annual gross revenues for each of the 183 franchisees.

Extracted Item 19 Section

Avg. Revenue: $83,440

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ACFN Franchise Analysis

Imagine stepping into the ATM business without stocking inventory or flipping burgers—just placing machines in buzzing hotels and stores, letting surcharges roll in passively. ACFN's model, franchising since 2003 from San Jose, promises that hands-off appeal, with Item 19 finally unveiling revenue snapshots from existing units. But with a recent dip in locations and a flurry of transfers, is this network's contraction a red flag or a buyer's opportunity?

Item 7 lays out the modest entry: $25,000 franchise fee within a $37,561-$58,211 initial investment, far below many service franchises, covering ATMs, installation, and setup for high-traffic hosts like retail and entertainment spots. Revenue stems from transaction surcharges, shared with hosts, while ongoing fees include 1.25% of net revenue for branding, $12 monthly per ATM admin, tiered virtual office ($0-$150+), and $8.95-$13.50 per wireless unit—totaling 1.2% ad fund contribution. Item 19 shines here: average gross sales hit $83,440, median $71,885 across 210 units, suggesting solid per-unit performance despite no explicit profit margins, implying potential net after low overhead if volumes hold.

System metrics paint a mixed picture—233 locations in 2024 shrank to 210 in 2025 (-10% growth), with only 3 terminations but 43 transfers signaling possible resales or dissatisfaction. Projected 25 new units offer rebound hope, backed by just 2 SBA loans averaging $35,400, indicating low financing barriers. For buyers eyeing passive income, probe FDD Items 19-20 for unit-level variances and validate host contracts' stability; this could suit semi-absentee operators if transaction traffic endures digital payment shifts.

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Analysis based on the 2026 Franchise Disclosure Document. All figures should be independently verified before making investment decisions.

How ACFN Compares

Key Insights

Lower investment than 82% of Business Services franchises
Higher than average SBA loan default rate in Business Services

Franchise	Investment	Fee	Royalty	Locations
ACFN Current	$38K – $58K	$25K	N/A	210
Bimbo Foods Bakeries Distribution, LLC	$14K – $607K	N/A	N/A	6,454
THE UPS STORE (TRADITIONAL)	$216K – $609K	$30K	5.0%	4,500
RE/MAX	$37K – $337K	$35K	1.0%	2,994
JACKSON HEWITT TAX SERVICE	$71K – $105K	$25K	15.0%	2,744
CRUISE PLANNERS	$2K – $21K	$11K	3.0%	2,655
Business Services Average 198 franchises	$121K – $289K	$47K	10.2%	–

* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 198 Business Services franchises by location count.