Franchise opportunities compared
ACFN vs Retirement Income Source
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
- ACFN figures come from its 2026 FDD and Retirement Income Source figures from its 2025 FDD, so the years differ.
- ACFN discloses 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 | RIRetirement Income Source |
|---|---|---|
| Financial commitment | ||
| Estimated initial investment (Item 7) | $37,561 – $58,211 2026 FDD · Item 7 | $100,400 Total initial investment 2025 FDD · Item 7 · PDF p. 18 |
| Standard initial franchise fee (Item 5) | Not available No single standard fee identified | $25,000 2025 FDD · Item 5 · PDF p. 13 |
| Royalty (Item 6) | Not available No reviewed royalty record | $0.00 Royalty 2025 FDD · Item 6 · PDF p. 13 |
| Brand / advertising fund (Item 6) | $1.25 Regional/national brand fee 2026 FDD · Item 6 · PDF p. 12 | 15% Marketing required spending percentage subject to $60,000 annual minimum — 15% 2025 FDD · Item 6 · PDF p. 13 |
| System scale & health | ||
| Total outlets (Item 20) | 210 Outlets at end of 2025 2026 FDD · Item 20 · PDF p. 50 | 30 Outlets at end of 2024 2025 FDD · Item 20 · PDF p. 42 |
| Net outlet change (Item 20) | −17 Calculated: 227 at end of 2023 → 210 at end of 2025 | −1 Calculated: 31 at end of 2022 → 30 at end of 2024 |
| 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 | Not available Not in reviewed records |
| 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.