Franchise opportunities compared
ACFN vs Motto Mortgage
Reviewed figures from each brand's Franchise Disclosure Document (FDD), side by side. Each figure carries its FDD year and page. This is not a ranking or recommendation, and the two FDDs may cover different years and location groups.
Before you compare
- Both sets of figures come from 2026 FDDs.
- ACFN and Motto Mortgage disclose more than one business format, so the investment range spans formats; the full report breaks them out.
- Only ACFN has reviewed Item 19 figures here.
| Disclosure | AACFN |  Motto Mortgage |
|---|---|---|
| Financial commitment | ||
| Estimated initial investment (Item 7) | $37,561 – $58,211 2026 FDD · Item 7 | $21,700 – $208,250 2026 FDD · Item 7 |
| Standard initial franchise fee (Item 5) | Not available No single standard fee identified | Not available No single standard fee identified |
| Royalty (Item 6) | Not available No reviewed royalty record | $250 Royalty increase per additional loan originator beyond seven: $250 2026 FDD · Item 6 · PDF p. 24 |
| Brand / advertising fund (Item 6) | $1.25 Regional/national brand fee 2026 FDD · Item 6 · PDF p. 12 | $350 Marketing Fund contribution included in royalty fixed component: $350 2026 FDD · Item 6 · PDF p. 18 |
| System scale & health | ||
| Total outlets (Item 20) | 210 Outlets at end of 2025 2026 FDD · Item 20 · PDF p. 50 | 154 Outlets at end of 2026 2026 FDD · Item 20 · PDF p. 58 |
| Net outlet change (Item 20) | −17 Calculated: 227 at end of 2023 → 210 at end of 2025 | −95 Calculated: 249 at end of 2023 → 154 at end of 2026 |
| Outlet exits (Item 20) | Not available No complete exit records for a year | Not available No complete exit records for a year |
| Franchising since (Item 1) | Not available Not in reviewed records | 2016 From a verified franchisor listing |
| Franchisor founded (Item 1) | Not available Not in reviewed records | Not available Not in reviewed records |
| Performance (Item 19) | ||
| Financial performance (Item 19), by location group | Locations counted not stated in the reviewed record — Illustrative scenarios based on 2,554 U.S. ACFN ATMs operating during at least… $110 other dispense · 2026 FDD · Item 19 · PDF p. 46 Locations counted not stated in the reviewed record — U.S. ACFN franchisees trained and signed by 9/30/2025, still operating as of 9/… 183 franchisees other 2025 franchisees count as of September 30 · 2026 FDD · Item 19 · PDF p. 49 | Not disclosed — no Item 19 financial performance representation |
Item 19 groups are shown separately and never combined. Revenue or sales figures are not profit. Net outlet change and turnover are Franopolis calculations from the disclosed counts; turnover is a count-based rate, not a measure of owner earnings.