ATM Portfolio: 286 Units | $590K Annual Cash Flow | Third-Party Loaded
Business Description
15-year operating history | Fully remote managed infrastructure
A 286-location ATM portfolio across California generating $590,130 in annual cash flow, offered at $1,929,728.
The operational model is the key characteristic of this portfolio. Every location is third-party loaded — professional vendors handle cash replenishment, field maintenance, and machine servicing. The sellers built this structure deliberately so the business could operate without their direct involvement. Both sellers maintained full-time corporate employment throughout 15 years of ownership. The business did not require their day-to-day participation because it was designed not to.
This matters for transition purposes. The ownership change does not require rebuilding any loading infrastructure, renegotiating vendor contracts, or reintroducing yourself to merchants. The third-party contracts transfer at close. The machines continue operating under the same service structure on day one. Most merchants have no direct relationship with the route owner — the transition is functionally invisible at the location level.
Two employees manage operational oversight. A 90-day training and transition period covers all systems: processor reporting, loader coordination, merchant communication, and performance monitoring. The sellers have committed to remaining available throughout the transition window.
At 286 accounts, the portfolio provides broad income diversification. No single location carries material weight in total cash flow. The geographic distribution spans California with primary concentration in the Bay Area.
California's retail ATM market is currently in a recovery phase. Regulatory action against cashless ATM operations at dispensaries is redirecting transaction volume back to traditional retail ATM locations. This portfolio operated continuously through the displacement period. The ongoing volume recovery is not reflected in current cash flow figures.
The sellers are retiring after 15 years of operation. The exit is voluntary and reflects personal timing, not business performance.
The operational model is the key characteristic of this portfolio. Every location is third-party loaded — professional vendors handle cash replenishment, field maintenance, and machine servicing. The sellers built this structure deliberately so the business could operate without their direct involvement. Both sellers maintained full-time corporate employment throughout 15 years of ownership. The business did not require their day-to-day participation because it was designed not to.
This matters for transition purposes. The ownership change does not require rebuilding any loading infrastructure, renegotiating vendor contracts, or reintroducing yourself to merchants. The third-party contracts transfer at close. The machines continue operating under the same service structure on day one. Most merchants have no direct relationship with the route owner — the transition is functionally invisible at the location level.
Two employees manage operational oversight. A 90-day training and transition period covers all systems: processor reporting, loader coordination, merchant communication, and performance monitoring. The sellers have committed to remaining available throughout the transition window.
At 286 accounts, the portfolio provides broad income diversification. No single location carries material weight in total cash flow. The geographic distribution spans California with primary concentration in the Bay Area.
California's retail ATM market is currently in a recovery phase. Regulatory action against cashless ATM operations at dispensaries is redirecting transaction volume back to traditional retail ATM locations. This portfolio operated continuously through the displacement period. The ongoing volume recovery is not reflected in current cash flow figures.
The sellers are retiring after 15 years of operation. The exit is voluntary and reflects personal timing, not business performance.
About the Business
- Employees
- 2 Full-time
2 Full Time Employees - Facilities & Assets
- 286 ATM machines installed and operating at merchant locations throughout California. Bay Area concentration with statewide presence. All machines are active and revenue-generating. Cash loading and maintenance handled entirely by third-party vendors under transferable contracts. No physical facility, warehouse, or vehicle included.
- Market Outlook / Competition
- California's ATM market has no dominant operator. The portfolio's competitive position is based on 15 years of established location presence across 286 sites. Regulatory enforcement against cashless ATM operations is a current tailwind for traditional retail ATM operators with compliant locations. Market fragmentation means competitive displacement at the location level is uncommon when service is consistent.
- Opportunities for Growth
- Growth opportunities include new placements at existing merchant sites, surcharge optimization at high-volume locations, loader cost negotiation leveraging portfolio scale, and volume capture from ongoing cashless ATM regulatory enforcement. Third-party loading infrastructure already in place supports additional unit deployment. All growth potential is incremental to current cash flow and is not priced into the asking price.
About the Sale
- Seller Motivation
- Retiring
- Transition Support
- 90-day training and transition support included. Complete operational handoff covering processor systems, third-party loader management, merchant communication, reporting tools, and performance monitoring. Existing loading contracts and vendor relationships transfer at close with no service disruption. Sellers available throughout the transition period.
- Financing Options
- No owner financing
Listing Info
- ID
- 2495776
- Listing Views
Listing ID: 2495776 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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