Financial Models

The business of acquiring and operating ATM machines is fairly unique in the type of logic that is required to get accurate financial forecasting data. It has to do with depreciation as well as getting the correct timing of purchases, when the machines start producing, and at what transaction level. Up to 27 tranches of ATM machine purchases can be accounted for with highly specific scaling assumptions and the resulting revenues, operating expenses, and cash flow. 10 year monthly/annual reports.

The user starts off with some general timing assumptions for the model that include start year, exit year, terminal value based on a multiple of revenue, and funding sources (debt/equity). Next is the build-up configuration, where the user is able to define the following for each of the 27 tranches independently: Month of ATM Purchase , AVG. fee per Transaction, Average Transactions per Day, Merchant Profit Share, Count of ATM Machines Bought, Cost per Machine, Total Cost Requirement, Total Machines, and Sales Tax. Much of these are specific to the ATM machine business itself. Next up are cost considerations for on-going operations. There is an expense schedule over the 10 years with the start month of item and monthly cost in each year. Variable costs include the Repair/Maintenance cost per machine per year, ATM processing fee, and the useful life of each machine. A defined income tax rate will apply to taxable income and depreciation expenses are automatically calculated per the purchase and cost schedule and timing therein. Final cash flow summaries auto-populate with project level contributions and distributions as well as flows to investors / owners and debt repayment if applicable.