ACFN - American Consumer Financial Network

Franchise Overview

ACFN – American Consumer Financial Network franchisees place and operate ATMs inside hotels, restaurants, and other high-traffic commercial locations, earning recurring surcharge-fee revenue from cardholders. The model is home-based and part-time, requiring no storefront or dedicated staff.

Key Highlights

Recurring surcharge-fee revenue generated passively from every cardholder transaction
Home-based, part-time structure suits operators seeking flexible supplemental income
No storefront and no employees required keeps ongoing overhead exceptionally low
Scalable model grows naturally by negotiating and adding new ATM placement agreements

ACFN offers a straightforward path to business ownership for those who want a low-overhead, flexible operation that can expand steadily over time without the complexity of a traditional brick-and-mortar franchise.

Just the Facts

For most current information, see Franchise Disclosure Documents

In Business Since1996

Number of Units210

Min Liquid Capital—

Required Networth—

$$$Total Investment$38K – $58K

ACFN - American Consumer Financial Network Franchise Disclosure Documents (FDD)

These official ACFN - American Consumer Financial Network FDDs contain 23 sections of federally mandated disclosures such as franchisee obligations, franchisor litigation, and financial performance. FDD's are typically 100+ pages long and are critical to evaluate when researching a franchise.

Available Documents

Acfn FDD 2026

January 2026

$99.00

Acfn FDD 2024

December 2024

$99.00

Acfn FDD 2023

December 2023

$99.00

Acfn FDD 2022

December 2022

$99.00

Acfn FDD 2022

March 2022

$99.00

Acfn FDD 2021

March 2021

$99.00

Acfn FDD 2020

March 2020

$99.00

Acfn FDD 2019

April 2019

$99.00

ACFN FDD 2018

April 2018

$99.00

ACFN FDD 2017

April 2017

$99.00

ACFN FDD 2016

March 2016

$99.00

Note: Purchased FDDs are available for immediate download. The $99 Document Processing Fee covers acquisition, storage, organization, and digital delivery of the FDD document.

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