ATM Leasing for New York Businesses
Predictable monthly payment, installation included, optional $1 buyout at end of term.
Leasing is the middle path between free placement and outright purchase. You keep most of the upside of ownership — 100% of the surcharge revenue — while spreading the equipment cost into a predictable monthly payment. At the end of the term most operators take the $1 buyout and own the machine outright.
We offer leasing on the full range of modern retail ATMs with installation, processing setup, and warranty bundled into the lease.
How an ATM lease works
A typical lease runs 24 to 48 months on a fixed monthly payment that covers the machine, installation, and processing setup. You're responsible for cash loading and routine paper/parts, but the bigger out-of-pocket equipment cost is amortized.
- Predictable monthly payment that fits operating budgets.
- Installation and processing setup included.
- Manufacturer warranty for the duration of the lease.
- Optional $1 buyout at end of term on most plans.
- 100% of the surcharge revenue stays with you.
When leasing makes sense
Leasing tends to make sense for businesses that want ownership economics but have other places they'd rather deploy capital — new openings, renovations, inventory cycles, expansions. It also makes sense for operators planning to buy multiple machines who want to keep cash on hand.
What you'll need
Lease underwriting typically asks for a simple application and basic business documentation (EIN, owner ID, recent bank statements). Approvals are fast and we can sometimes have an approved lease and an installed machine within the same business week.
ATM Leasing — FAQ
Do I own the ATM at the end of the lease?
Most of our leases include a $1 buyout at end of term — at which point the machine is yours. Fair-market-value leases are also available if you'd prefer a lower monthly with a different end-of-term structure.
Is cash loading included in the lease?
No — cash loading is separate. You either load your own cash and keep the full surcharge, or contract us to manage vaulting and cash loading as a separate service.
What if my needs change mid-lease?
We've moved machines between locations, upsized to bigger units, and bought leases out early. Reach out — we'll walk through the cleanest path for your situation.