ACFN Franchise FDD, Profits & Costs (2025)
ACFN (American Consumer Financial Network) is a franchise specializing in providing Automated Teller Machine (ATM) services to businesses, particularly within the travel and entertainment sectors.
Established in 1996, ACFN began franchising in 2003 and has since expanded its presence across the United States and Canada. The company’s headquarters are located in San Jose, California.
ACFN offers a unique franchise model that allows individuals to operate their own network of ATMs with minimal overhead. Franchisees benefit from a business that requires no employees, no selling, and can be managed from home or any mobile device.
The most profitable franchises to own in 2025
We have compiled the list of the top 400 franchises across 9 industries. Download the report below.
Initial Investment
How much does it cost to start a ACFN franchise? It costs on average between $38,000 – $60,000 to start a ACFN franchised facility.
This includes costs for ATM machines, installation, maintenance, and initial operating expenses. The exact amount depends on various factors, including the number of ATMs deployed, the location, and whether the franchisee chooses to lease or purchase the equipment.
| Type of Expenditure | Amount |
|---|---|
| Initial Franchise Fee | $25,000 |
| Signs | $0 – $200 |
| ATMs and Other Equipment and Supplies | $4,889 – $14,472 |
| Additional Capital for ATMs | $5,000 – $15,000 |
| Office Equipment and Supplies | $200 – $1,200 |
| Initial Local Marketing Expense | $200 |
| Insurance | $700 – $900 |
| Professional Fees and Licenses | $550 – $650 |
| Initial Training Fee | $799 |
| Additional Funds – 3 Months | $500 – $1,500 |
| Total | $37,838 – $59,921 |
Competitors
Below are a few ACFN competitors as a comparison:
The most profitable franchises to own in 2025
We have compiled the list of the top 400 franchises across 9 industries. Download the report below.
ACFN Franchise Disclosure Document
Frequently Asked Questions
How many ACFN locations are there?
As of the latest data, ACFN (American Consumer Financial Network) operates 233 franchises, with each franchisee owning and operating their own network of ATMs.
What is the total investment required to open a ACFN franchise?
The total investment required to open a ACFN franchise ranges from $38,000 to $60,000.
What are the ongoing fees for a ACFN franchise?
ACFN franchisees pay a 1% Regional/National Advertising Fee based on net revenue. They also incur an ATM Administration Fee of $12 per ATM per month and a $0.10 fee per transaction, both subject to potential annual increases of up to 10%.
What are the financial requirements to become a ACFN franchisee?
To become an ACFN franchisee, candidates typically need a minimum net worth of $50,000 and liquid capital of at least $50,000.
Who owns ACFN?
ACFN is owned by ACFN Franchised Inc., with Jeffrey Kerr serving as the President and CEO. The company was co-founded by Kerr and Avi Blankroth, who serves as Executive Vice President.
Disclaimer
Disclaimer: This content has been made for informational and educational purposes only. We do not make any representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the information presented in the article. You should not construe any such information or other material as legal, tax, investment, financial, or other professional advice. Nothing contained in this article constitutes a solicitation, recommendation, endorsement, advertisement, or offer to buy or sell any franchises, securities, or other financial instruments in this or in any other jurisdiction in which such solicitation or offer would be unlawful under the franchise and/or securities laws of such jurisdiction.
All content in this article is information of a general nature and does not address the detailed circumstances of any particular individual or entity. Nothing in the article constitutes professional and/or financial and/or legal advice, nor does any information in the article constitute a comprehensive or complete statement of the matters discussed or the law relating thereto. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in this article before making any decisions based on such information or other content.
