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.

210
Locations
$38K–$58K
Investment
Since 2003
Franchising
ServicesSan Jose, CAwww.acfnfranchise.comDisclaimer

Franchise Costs


Franchise Fee
$25,000
Item 5 of FDD
Initial Investment Range
$37,561 $58,211
Low: $37,561High: $58,211
Item 7 of FDD
Royalty Rate
N/A
Brand Fund
1.25%
Item 6 of FDD
Fixed Monthly Fees
$12 – $200
Item 6 of FDD

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

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


Key Insights

  • Lower investment than 82% of Business Services franchises
  • Higher than average SBA loan default rate in Business Services
FranchiseInvestmentFeeRoyaltyLocations
ACFN
Current
$38K – $58K$25KN/A210
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 (2025)

Outlets by state across the United States

Top States
1CA
38
2TX
18
3FL
15
4VA
10
5NY
10
6IL
10
7MD
9
8NC
7
9AZ
7
10NJ
7
11NV
6
12MI
5
13CO
5
14TN
4
15WA
4

+24 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


207 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

207 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
3
Non-Renewals
0
Reacquired
0
Ceased Ops
46
Transfers
43
Sold to Franchisees
0
Projected New
25

Frequently Asked Questions


The total initial investment to open a ACFN franchise ranges from $37,561 to $58,211. 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)
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H&R BLOCK
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