Independent ATM Route & Surcharge Cash Flow Engine

Underwrite physical ATM routes (15 to 50 machines). Model surcharge pricing ($3.50/withdrawal), merchant splits, vault cash cost of capital, and route EBITDA.

Route Portfolio Parameters

Active ATM Machine Count

Surcharge Fee ($ / withdrawal)

Avg Withdrawals / Machine / Month

Location Commission Split ($ / trans)

Vault Cash Required / Machine ($)

Vault Line of Credit Interest Rate (%)

Route Cash Flow Verdict

HIGH MARGIN UTILITY

Gross Monthly Surcharges

$33,250 / mo

Net Annual Route Cash Flow

+$198,500 / yr

Route Valuation Multiple (2.0x - 2.5x EBITDA)

$397,000 Portfolio Value

Includes $150k circulating vault cash load across 25 high-traffic locations.