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.
Franchise Costs
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
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
| 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 |
| 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 188 franchises | $118K – $284K | $46K | 10.4% | – |
* 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
+24 more states
SBA Loan History
Historical SBA 7(a) loan data for ACFN franchisees (2014 – 2014)
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.
| Name | SBA 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
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Due Diligence
Litigation (Item 3)
Bankruptcy (Item 4)
System Health (Item 20)
Franchise system changes reported in the most recent fiscal year
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
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