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.
Disclaimer: This information was extracted using AI from public Franchise Disclosure Documents and should be independently verified. This is not financial or legal advice. Always review official FDD filings before making investment decisions.
Overview
Financial Requirements
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
Franchise Stats
Financial Performance
Item 19 Financial Performance
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
How ACFN Compares to Other Business Services Franchises
Key Insights
- Lower investment than 83% of Business Services franchises
- Higher than average SBA loan default rate in Business Services
| Franchise | Investment Range | Franchise 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 |
| JACKSON HEWITT TAX SERVICE | $71K - $105K | $25K | 15.0% | 2,744 |
| CRUISE PLANNERS | $2K - $21K | $11K | 3.0% | 2,655 |
| SERVPRO (UNIT) | $259K - $380K | $100K | 10.0% | 2,286 |
Business Services Average 187 franchises | $118K - $285K | $46K | 10.4% | - |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 187 Business Services franchises by location count.
Locations & Growth
Outlet Growth Over Time
Total outlets at end of each year
Geographic Distribution (2025)
Outlets by state across the United States
+24 more states
SBA Loan History
Historical SBA 7(a) loan data for ACFN franchisees (2014 - 2014)
Loans by Year
* Data sourced from SBA 7(a) FOIA loan records. Default rate calculated from charged-off loans.
Franchisee Contacts
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Due Diligence
Litigation (Item 3)
No litigation involving franchisees reported in the FDD.
Bankruptcy (Item 4)
No bankruptcy history reported in the FDD.
System Health (Item 20)
Franchise system changes reported in the most recent fiscal year
Frequently Asked Questions
How much does it cost to open a ACFN franchise?
The total initial investment to open a ACFN franchise ranges from $37,561 to $58,211. This includes a franchise fee of $25,000.
How much revenue does a ACFN franchise make?
According to the 2026 FDD, the average gross revenue for a ACFN franchise is $83,440.05. The median revenue is $71,884.8.
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. Historical data shows 2 SBA 7(a) loans have been approved for ACFN franchisees, with an average loan amount of $35,400. The historical default rate is 0.0%.
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.
Interested in ACFN?
Talk to a franchise advisor to get personalized guidance and learn if ACFN is the right fit for you.
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