SmartHelping / ATM Business Planning / Excel
10-Year ATM Business Financial Model
Plan an ATM business from machine purchases through operating cash flow and a potential exit. Model up to 27 purchase tranches with different transaction volumes and fees, then review funding needs and returns for the project, owner, and investors.
The template is available to download immediately after purchase. By purchasing, you agree to the Terms of Service.
Video walkthrough & spreadsheet preview
See how the ATM business forecast works.
Model each round of machine purchases
Give each ATM purchase tranche its own operating assumptions.
A tranche is a group of ATM purchases. The model supports up to 27 tranches so you can reflect different purchase timing and operating terms as the business grows.
Transactions per day
Set different transaction-volume assumptions for each purchase tranche to reflect the activity expected from those machines.
Transaction and merchant fees
Vary the fee per transaction and merchant fee across tranches to reflect the terms of different deployment deals.
Monthly revenue and transactions
The model's matrix calculates monthly transaction activity and revenue for each tranche.
Purchase timing and depreciation
Depreciation follows the timing of machine purchases and their expected useful life, feeding into the modeled taxable income calculation.
Connected financial reports
Review monthly and annual results across all three statements.
The model includes fully integrated Income Statement, Balance Sheet, and Cash Flow Statement reports, plus a cap table, capital expenditure detail, and terminal value.
Income Statement
Review projected operating results in both monthly and annual views.
Balance Sheet
Follow the modeled financial position through the integrated monthly and annual Balance Sheet.
Cash Flow Statement
Review the forecast's cash movements and how the business's cash position develops over time.
Cap table, capex, and terminal value
Connect the ownership structure, capital spending, and modeled exit value with the broader financial forecast.
Debt, equity & distributions
Plan the funding mix and review who receives the cash.
Owner equity, investors, and debt
Set assumptions for debt and equity, with equity split between the owner and investors. You can also model an owner-funded business with no debt or outside investors.
Equity requirement from the cash forecast
The lowest projected cash position provides the basis for the equity requirement as machine purchases and other cash outlays occur over time.
Project, owner, and investor returns
Review IRR, equity multiple, ROI, and total cash returned for the project, owner, and investors.
Distribution summary
See how cash is split between the owner and investors in the distribution summary.
Understand the funding timing assumption
The required equity is assumed to be contributed up front.
The model uses the lowest projected cash position to determine the equity requirement, even when cash outlays occur later as the ATM business grows. That equity is assumed to be available at the start for the project, owner, and investor IRR calculations.
Potential sale of the business
Choose an exit month within the 10-year forecast.
Annual revenue multiple
Model the potential business exit using an annual revenue multiple.
Exit timing and debt repayment
Select the exit month within the 10-year period. The model updates the forecast for that timing, including debt repayment.
From assumptions to the executive summary
Build the forecast, then review the resulting cash and returns.
Enter your ATM business assumptions
Start with the light-yellow assumption tabs. Set machine purchase tranches, transaction activity, fees, and the assumptions for funding and exit.
Review the monthly and annual forecast
Follow the purchase-tranche calculations into the integrated financial statements and review the projected cash position.
Evaluate the summaries and visuals
Use the executive summary, distribution summary, and included visuals to assess projected results for the business, owner, and investors.
Bundle option
Included in the Industry-Specific Financial Model Bundle.
Purchase the ATM model individually or explore the bundle for more business-specific planning templates.
Questions before you start
A few useful details.
Does the 27-tranche limit mean 27 individual ATMs?
No. The model supports up to 27 groups of ATM purchases, each with its own revenue assumptions. A tranche represents a purchase group rather than a single machine.
Can different purchase groups have different transaction fees?
Yes. Each tranche can have its own transactions-per-day assumption, fee per transaction, and merchant fee.
Does the model include all three financial statements?
Yes. It includes fully integrated monthly and annual Income Statement, Balance Sheet, and Cash Flow Statement reports, along with a cap table, capex, and terminal value.
Can I model the business without debt or outside investors?
Yes. You can assume the owner supplies the required cash up front, with no debt or outside investors.
How is the equity requirement determined?
The model uses the lowest projected cash position as the basis for required equity. That equity is assumed to be contributed up front for the return calculations, even when the business makes purchases over time.
Can I model a sale before year 10?
Yes. Select an exit month within the 10-year period and apply an annual revenue multiple. The forecast updates for the exit timing, including debt repayment.
Which return measures are included?
The model includes IRR, equity multiple, ROI, and total cash returned for the project, owner, and investors, plus a distribution summary showing the cash split.
How do I receive the model?
The Excel model is available to download immediately after the $45 USD one-time purchase. Contact SmartHelping if you have a question before purchasing.
Plan purchases, funding & returns
Build a 10-year financial plan for your ATM business.
Connect machine purchase tranches with financial statements, cash needs, and a potential exit.
