{"schemaVersion":"3.0.0","classification":"Reference intelligence profile","id":"atm-001","route":"atm","url":"https://cashflowroutes.com/intelligence/atm-001","evidenceConfidence":"Moderate","sourceIds":["fed-cash-2025","cfpb-atm-fees","bizbuysell-2025"],"routeUrl":"https://cashflowroutes.com/routes/atm","profileUrl":"https://cashflowroutes.com/intelligence/atm-001","apiUrl":"https://cashflowroutes.com/api/routes/atm","routeEntityId":"https://cashflowroutes.com/routes/atm#route","articleId":"https://cashflowroutes.com/routes/atm#article","datasetId":"https://cashflowroutes.com/intelligence/atm-001#dataset","identifiers":{"routeUrl":"https://cashflowroutes.com/routes/atm","profileUrl":"https://cashflowroutes.com/intelligence/atm-001","apiUrl":"https://cashflowroutes.com/api/routes/atm","routeEntityId":"https://cashflowroutes.com/routes/atm#route","articleId":"https://cashflowroutes.com/routes/atm#article","datasetId":"https://cashflowroutes.com/intelligence/atm-001#dataset"},"relationships":{"canonicalEntity":"https://cashflowroutes.com/routes/atm#route","humanArticle":"https://cashflowroutes.com/routes/atm#article","intelligenceDataset":"https://cashflowroutes.com/intelligence/atm-001#dataset"},"slug":"atm","number":"02","name":"ATM Route","label":"Transaction infrastructure","summary":"A distributed network where placement contracts, transaction density, and uptime create the route value.","complexity":"Moderate","automation":"Medium","cadence":"Weekly service","revenueModel":"Transactional","scenario":{"capital":{"display":"$105K–$135K","value":{"low":105000,"high":135000,"currency":"USD"},"classification":"Illustrative underwriting scenario","confidence":"Moderate","basis":"Modeled machine portfolio, route rights, vault cash reserve, and working capital."},"cashflow":{"display":"$4.5K–$5.5K / mo","value":{"low":4500,"high":5500,"currency":"USD","period":"month"},"classification":"Illustrative underwriting scenario","confidence":"Moderate","basis":"Modeled owner cash flow before debt service and taxes."},"multiple":{"display":"3.7×–4.2×","value":{"low":3.7,"high":4.2,"basis":"Seller discretionary earnings"},"classification":"Illustrative underwriting scenario","confidence":"Low","basis":"Modeled price-to-SDE range for a documented, contract-backed route."}},"fit":{"recurringRevenue":3,"laborIntensity":2,"assetIntensity":3,"locationDependence":5,"demandDurability":3,"transferability":4},"thesis":"ATM routes monetize access and convenience. The machine is replaceable; the defensible asset is a portfolio of productive locations with durable contracts and efficient cash servicing.","economics":["Transactions per machine","Net surcharge after host split","Processor and vault-cash cost","Stops per service route"],"operations":["Cash loading and balancing","Remote uptime monitoring","Host relationship management","Compliance and security"],"diligence":["Verify processor statements by location","Read change-of-control language","Audit withdrawals, downtime, and chargebacks","Inspect machine ownership and EMV status"],"growth":["Replace weak placements","Renegotiate host splits","Cluster locations geographically","Add higher-volume venues"],"exits":["Independent operator sale","Regional route consolidation","Processor or portfolio buyer"],"profile":"atm-001","evidence":{"asOf":"2026-08-06","geography":"United States","confidence":"Moderate","sourceIds":["fed-cash-2025","cfpb-atm-fees","bizbuysell-2025"],"note":"Operating facts are an editorial synthesis of the cited sources. Scenario figures are normalized comparison inputs, not sourced market averages, live listings, forecasts, or valuation opinions."},"accent":"#d6b25e","sources":[{"id":"fed-cash-2025","title":"2025 Diary of Consumer Payment Choice","publisher":"Federal Reserve Financial Services","url":"https://www.frbservices.org/news/research/2025-findings-from-the-diary-of-consumer-payment-choice","published":"2025-06-03","accessed":"2026-08-06","kind":"Primary public data","supports":["Cash remained 14% of U.S. consumer payments by number in 2024","Consumers averaged seven cash payments per month in 2024"]},{"id":"cfpb-atm-fees","title":"Regulation E § 1005.16 — Disclosures at automated teller machines","publisher":"Consumer Financial Protection Bureau","url":"https://www.consumerfinance.gov/rules-policy/regulations/1005/16/","accessed":"2026-08-06","kind":"Regulatory guidance","supports":["ATM operator fee disclosure and consumer consent requirements"]},{"id":"bizbuysell-2025","title":"2025 Fourth Quarter Insight Report","publisher":"BizBuySell","url":"https://www.bizbuysell.com/news/bizbuysell-2025-fourth-quarter-insight-report/","published":"2026","accessed":"2026-08-06","kind":"Reported transaction data","supports":["Context for reported small-business transaction activity","Broad service-business cash-flow multiple context"],"caveat":"Marketplace-reported transactions are not a complete census and are not route-specific valuation instructions."}],"disclaimer":"Illustrative educational scenario only. Not a listing, market average, forecast, valuation, or investment advice."}