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286-Unit ATM Portfolio | $590K Annual Cash Flow | Fully Vendor Loaded
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15-year operating history | Fully remote managed infrastructure
A rare opportunity to acquire a 286-unit ATM portfolio with a 15-year operating history and $590,130 in annual cash flow. The business is offered at $1,929,728.
The key advantage of this portfolio is the operating structure. The machines are not owner-loaded. Cash replenishment, field maintenance, machine servicing, and related support are handled by third-party vendors. This allows the portfolio to be managed remotely with oversight rather than requiring hands-on route operation.
The current owners built the business this way intentionally. Both sellers have held full-time corporate employment throughout the entire ownership period, while the ATM portfolio continued operating through established vendors, systems, and employee support. The business was designed to produce income without requiring the owners to personally manage the machines each day.
This structure should also help with buyer transition. The buyer is not stepping into an operation that depends on the seller personally loading machines or managing every merchant relationship. The third-party loading infrastructure, servicing process, vendor relationships, and reporting systems are already in place and can continue after closing.
Two full-time employees currently assist with operational management. A 90-day training and transition period is included, covering the core systems of the business: processor reporting, loader coordination, merchant communication, service oversight, and performance monitoring. The sellers will remain available during the transition to support continuity.
The portfolio includes 286 active merchant locations, creating broad cash flow diversification. No single location represents a material dependency in the business. The route spans California, with a primary concentration in the Bay Area and additional statewide presence.
California’s retail ATM market is also seeing renewed opportunity as regulatory enforcement against cashless ATM operations redirects transaction volume back to traditional ATM locations. This portfolio continued operating through that market shift, and ongoing recovery in transaction volume is not yet fully reflected in the current financials.
The sellers are retiring after 15 years in business. The exit is based on personal timing, not operational distress.
The key advantage of this portfolio is the operating structure. The machines are not owner-loaded. Cash replenishment, field maintenance, machine servicing, and related support are handled by third-party vendors. This allows the portfolio to be managed remotely with oversight rather than requiring hands-on route operation.
The current owners built the business this way intentionally. Both sellers have held full-time corporate employment throughout the entire ownership period, while the ATM portfolio continued operating through established vendors, systems, and employee support. The business was designed to produce income without requiring the owners to personally manage the machines each day.
This structure should also help with buyer transition. The buyer is not stepping into an operation that depends on the seller personally loading machines or managing every merchant relationship. The third-party loading infrastructure, servicing process, vendor relationships, and reporting systems are already in place and can continue after closing.
Two full-time employees currently assist with operational management. A 90-day training and transition period is included, covering the core systems of the business: processor reporting, loader coordination, merchant communication, service oversight, and performance monitoring. The sellers will remain available during the transition to support continuity.
The portfolio includes 286 active merchant locations, creating broad cash flow diversification. No single location represents a material dependency in the business. The route spans California, with a primary concentration in the Bay Area and additional statewide presence.
California’s retail ATM market is also seeing renewed opportunity as regulatory enforcement against cashless ATM operations redirects transaction volume back to traditional ATM locations. This portfolio continued operating through that market shift, and ongoing recovery in transaction volume is not yet fully reflected in the current financials.
The sellers are retiring after 15 years in business. The exit is based on personal timing, not operational distress.
About the Business
- Employees
- 2 Full-time
- Facilities & Assets
- 286 ATM machines installed and operating at merchant locations throughout California. The portfolio has a strong Bay Area presence with broader statewide coverage. All machines are active and revenue-generating. Cash loading and maintenance are handled by third-party vendors through transferable contracts. No warehouse, physical office, vehicle, or facility is included.
- Market Outlook / Competition
- California’s ATM market remains highly fragmented, with no single dominant operator controlling the route-based retail ATM space. The portfolio’s competitive position comes from its established 15-year merchant footprint, existing operational infrastructure, and active machines across 286 sites. Consistent servicing and long-standing placement history reduce the likelihood of location-level displacement.
- Opportunities for Growth
- Growth opportunities include adding new machines at existing merchant relationships, improving surcharge strategy at higher-volume locations, negotiating loader costs at scale, and capturing additional transaction volume as cashless ATM enforcement redirects usage back to traditional ATM machines. Since the operating infrastructure is already in place, additional unit deployment can be layered onto the current model.
About the Sale
- Seller Motivation
- Retirement
- Transition Support
- 90-day training and transition support included. The handoff covers processor systems, third-party loader coordination, merchant communication, reporting, performance monitoring, and operational procedures. Existing vendor relationships and loading contracts transfer at close.
- Financing Options
- No owner financing
Listing Info
- ID
- 2501321
- Listing Views
- 748
Listing ID: 2501321 The information on this listing has been provided by either the seller or a business broker representing the seller. BizQuest has no interest or stake in the sale of this business and has not verified any of the information and assumes no responsibility for its accuracy, veracity, or completeness. See our full Terms of Use. Learn how to avoid scams.
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