From the filings

HQ-led decisions

ACFN

Financial services

ACFN designates the franchisor as the sole supplier for ATMs and ATM-related services under Item 8, with no alternative sourcing permitted. With 210 franchised units in the financial services segment and unit count down 9.9% year over year, equipment and service renewals are the likelier near-term activity.

For software vendors selling into US franchise brands.

Live signals

Total units
210
210 franchised
Franchised outlet growth
-9.871%
Item 20, last two year-ends
AUV
—
Item 19
Royalty
1%–1.25% component; full terms unconfirmed
percentage component
Ad fund
1%
percentage component
Initial fee
$25K
per unit
Investment range
$38K–$58K
all-in, Item 7
Procurement
Franchisor controlled
from the filing
Item 19
Claims
from the filing

Ordinary royalty terms

1.25% component; full terms unconfirmed

Complete royalty terms are not confirmed for the selected filing.

Recorded percentage components

These are recorded percentage components. Each has its own base and conditions; the chart does not state the total payment or confirm ad-fund completeness.

1recorded components (FY2026)

Recorded percentage components (FY2026)Ad fund 1%. Components use their own filing bases and conditions. Drawn against a 15% reference scale.

15% reference

Ad fund 1%

Franchisor behaviours

What the franchisor requires

22 requirements the franchisor states in this filing, each in its own words; 5 explicit no's; 7 questions the text does not settle, which is not a no.

Accounting

Must the franchisee use an accounting or bookkeeping system designated or approved by the franchisor?

Yes

Franchise agreement

To use such accounting, record keeping and reporting systems as may be approved by us from time to time;

Does the franchisor have direct or independent electronic access to the franchisee's financial, sales or customer records?

Yes

Item 11

We may, as often as we deem appropriate, including on a daily basis, independently access the computer systems that you must maintain in connection with the operation of the franchise and to retrieve all information relating to the operation of the franchise (FA - Article 10.2).

Must the franchisee submit periodic financial statements (monthly, quarterly or annual) to the franchisor?

Yes

Franchise agreement

Within fifteen (15) days after the end of each calendar month, a profit and loss statement for the BUSINESS for the immediately preceding calendar month and a year-to-date balance sheet as of the end of such month;

How the franchisor buys

Does the franchisor reserve the right to change designated suppliers or systems at any time?

Yes

Franchise agreement

To maintain at all times such arrangements with (and only with) such electronic funds transfer systems, automatic bank transfer systems, inventory control systems, record keeping and reporting systems and all related computer hardware and software systems, as we may designate or approve from time to time;

How much revenue did the franchisor and its affiliates earn from franchisee purchases in the last fiscal year?

677304

Item 8

During our 2025 fiscal year (October 1, 2024 to September 30, 2025), we received revenue in the amount of $677,304 from required purchases of products and services by franchisees, which was 4.52% of our total revenue of $14,999,971 according to our audited financial statement attached as Exhibit B.

Does the franchisor or an affiliate receive rebates, commissions or other revenue from designated or approved suppliers?

Yes

Item 8

We and our affiliates reserve the right to collect rebates and other consideration from third party approved suppliers of 1% to 10% or more of franchisee purchases.

Item 8 gives this proportion in one of two shapes: separate percentages for establishing the business and for operating it, or one figure covering "establishing and operating" together. Where they are separate, answer with the operating percentage; where the passage gives only the combined figure, answer with that. What percentage of the franchisee's purchases must come from designated or approved suppliers?

20

Item 8

We estimate that between 50% and 70% of the cost in establishing your ACFN business will be on required purchases and leases, and that between 20% and 60% of the cost of operating your ACFN business will be on required purchases and leases.

Does the franchisor charge a fee to evaluate a proposed supplier?

Yes

Franchise agreement

All expenses incurred by us in testing the equipment to be supplied by such other source or supplier, and in investigating such other source or supplier, including the costs of an independent agency or laboratory designated by us to test the equipment, shall be paid for by you, whether or not such other source or

Can a franchisee propose a new supplier for the franchisor's approval?

Yes

Item 8

We have procedures for approving vendors and suppliers you recommend based on safety and professional compatibility.

Communications

Does the franchisor own or control the business telephone numbers, or take them over when the agreement ends?

Yes

Franchise agreement

you will notify the telephone company and all telephone directory publishers of the termination or expiration of your right to use any telephone, telecopy or other numbers and any regular, classified or other telephone directory listings associated with any Marks, authorize the transfer of such numbers and directory…

Franchise management

Must the franchisee participate in a customer-satisfaction or net-promoter survey program?

Yes

Franchise agreement

You agree to present to your customers such evaluation forms that we periodically prescribe and to participate and/or request your customers to participate in any surveys performed by us or on our behalf.

Does the franchisor conduct periodic inspections, audits or evaluations of the franchised business?

Yes

Franchise agreement

We have the right at any time during regular business hours, and without prior notice to you, to inspect and audit, or cause to be inspected and audited, your (if you are a corporation or partnership) and the BUSINESS’ business, bookkeeping and accounting records, sales and income tax records and returns and other…

Can the franchisor change the operations manual and brand standards unilaterally?

Yes

Franchise agreement

We may periodically modify Methods of Operation, as we determine, and any such modifications may obligate you to invest additional capital in the BUSINESS (“Capital Additions”) and/or incur higher operating costs;

Must the franchisor approve the franchisee's site or location before opening?

Yes

Item 11

You may not locate and operate an ATM at a particular location under the Franchise Agreement until you have reviewed/selected that location, received our prior approval of that location and met all of our then-current criteria for operating additional ATMs.

Operations

Must the franchisee buy products from a designated distributor?

Yes

Item 8

As of the issuance date of this disclosure document, you must purchase from us at least one ATM and an extra cash cassette when you sign the Franchise Agreement.

Must equipment be purchased from designated or approved suppliers?

Yes

Franchise agreement

You shall purchase or lease such Equipment from us, or our affiliate, at our then-current prices, or, at our direction, from sources or suppliers approved or designated in writing by us.

Payments

Must the franchisee use a payment processor or merchant-services provider designated or approved by the franchisor?

Yes

Franchise agreement

To maintain at all times such arrangements with (and only with) such electronic funds transfer systems, automatic bank transfer systems, inventory control systems, record keeping and reporting systems and all related computer hardware and software systems, as we may designate or approve from time to time;

People

Does the franchisor require minimum staffing levels or specific roles?

Yes

Item 15

At all times, the franchise must be under the direct management and supervision of a Managing Owner or a trained and qualified manager we approve.

Must employees wear uniforms specified by the franchisor?

Yes

Franchise agreement

To wear and require all managers and employees to wear such uniforms or apparel in operation of the BUSINESS as we may designate from time to time, such uniforms or apparel to be purchased by you from suppliers or sources designated by us;

Point of sale

Does the franchisor have independent access to the data in the franchisee's POS or computer system?

Yes

Item 11

We may, as often as we deem appropriate, including on a daily basis, independently access the computer systems that you must maintain in connection with the operation of the franchise and to retrieve all information relating to the operation of the franchise (FA - Article 10.2).

Training

Can the franchisor charge the franchisee for additional, refresher or remedial training?

Yes

Item 11

We may require your Managing Owner and/or previously trained and experienced employees to attend periodic refresher training courses at such times and locations that we designate, and we may charge reasonable fees for such courses.

Is attendance at an annual convention or conference mandatory for the franchisee?

Yes

Franchise agreement

If required by us, your Managing Owner and such of your managers and other personnel as we may reasonably require, shall attend and participate at any additional or supplemental training courses, conventions, conferences, seminars and franchisee meetings which may be conducted by or on behalf of us from time to time.

The filing answers no to 5 questions
  • Is the franchisor or an affiliate itself a supplier of required products, services or systems?Item 8
  • Is there a franchisee advisory council, association or committee?Franchise agreement
  • Is a minimum grand opening advertising spend required?Item 11
  • Is the franchisee required to spend a minimum amount on local advertising or marketing, as a percentage of sales or a fixed amount?Franchise agreement
  • Must the franchisee participate in a regional advertising cooperative when one exists?Item 11

The vendor opportunity at ACFN

ACFN operates 210 franchised units in the financial services segment from its California headquarters, with unit count down 9.9% year over year. The operator footprint spans 61 mapped operators, with no multi-unit operators, across roughly 61 located units, led by California (17), Florida (8) and Georgia (5). The FDD makes a financial performance representation under Item 19.

Who controls software purchasing

Item 2 names Jeffrey D. Kerr as President and CEO, Dana Kerr as Corporate Secretary, Avi Blankroth as Executive Vice President, Nida Crisostomo as Controller, and Gershon Yakir as Vice President of Operations. Item 8's designated-supplier structure — the franchisor is the sole source for ATMs and ATM-related services, with no alternative sourcing permitted — signals tight, HQ-level control over the core equipment and service chain.

Tech named in the FDD, and what is actually required

Item 11 of the FDD sets ACFN's technology requirements. Read the embedded filing below for the specific systems it names.

Procurement, renewals, and timing

Item 8 designates the franchisor as the sole supplier for ATMs (the Genmega stand-alone unit), extra cash cassettes, additional ATMs, and ATM-related equipment, supplies and services — setup, programming, transaction processing, communication, monitoring and support — with no alternative sourcing allowed for those items; other items may draw from approved suppliers under the franchisor's specifications. Unit count fell 9.9% year over year, pointing to consolidation and equipment-service renewals as the more likely near-term activity.

How to read the ACFN FDD

The 2026 FDD is filed with state franchise regulators. Read the embedded PDF viewer below for the full text of Items 2, 8, 11, 17, 19 and 20. For a ranked list of franchise systems that fit your product better than this one, talk to FranCloud.

Ordinary royalty terms

Complete royalty terms are not confirmed.

Questions vendors ask

ACFN, answered from the filing

Jeffrey D. Kerr, President and CEO, leads a structure where the franchisor is the sole designated supplier for ATMs and ATM-related services — Gershon Yakir, Vice President of Operations, is the likelier operational contact for that equipment and service chain.
Item 11 of the FDD sets ACFN's technology requirements. Read the embedded filing below for the specific systems it names.
ACFN operates 210 franchised units in the financial services segment, with no company-owned locations.
Item 8 designates the franchisor as the sole supplier for ATMs, extra cash cassettes, additional ATMs, and ATM-related equipment, supplies and services — setup, programming, transaction processing, communication, monitoring and support — with no alternative sourcing allowed for those items.
Item 17 governs ACFN's renewal, transfer and termination terms. Unit count fell 9.9% year over year, pointing to consolidation and equipment-service renewals as the more likely near-term activity rather than new-unit rollout.
The 2026 FDD is filed with state franchise regulators. Use the embedded PDF viewer below to read the full disclosure document, including Items 2, 8, 11, 17, 19 and 20.
Source

Read the filing itself

Read the original document for the filing figures and their terms, page by page. Buy the original PDF to download, search, and annotate it.

ACFN2026 FDDView only

Loading filing…

View only A one-time purchase: the original filing, yours to keep.

FDD alert

Tell me when this brand refiles.

Request an email alert when a newer filing for ACFN is available.

The brands you can actually sell into, from the filings.

Operator footprint

Who runs the locations

61 operators run 61 mapped locations. 0 of them are multi-unit. Aggregate counts from the filing; no names.

Operators by units owned

Single-unit61

Top states by locations

CA17
FL8
GA5
IL5
TX5

Related Financial services brands

Primary franchise filings · updated September 2026. Read the original filing for definitions, conditions, and qualifications.