Green Transaction Machines LLC finances the equipment that moves money — ATMs, payment terminals and self-service kiosks — and provides working capital to the merchants and operators who run them. A machine that pays for itself shouldn't require paying for it upfront.
Who we are
Green Transaction Machines LLC is a non-depository lender — not a bank, and we don't take deposits. We finance transaction equipment for retailers, route operators and independent ATM deployers, and we lend working capital to the businesses that run it.
What makes this category unusual is the asset itself. Most equipment costs money to own and earns nothing directly — a delivery van, a fridge, a till. A transaction machine is different: it produces measurable revenue from the day it's switched on, in the form of surcharge income or the sales it enables. The financing and the income stream sit on the same object.
That should make the arithmetic simpler for everyone, and it usually does. It also means we can be specific rather than vague: if a machine cannot plausibly cover its own financing at your location's traffic, that is something we can work out together before you commit, not after.
If the numbers don't work at your foot traffic, we'd rather run them with you than around you.
ATMs, terminals and kiosks funded, not fronted
Including the cash float a machine needs to run
The full repayable figure, before signature
Honest modelling on your actual location
What we finance
Anything on the counter or in the lobby that takes a payment, dispenses cash, or replaces a person behind a window.
Through-the-wall and freestanding cash machines for retail sites, hospitality venues and independent deployers building a route.
Card readers and countertop POS hardware — the equipment a business needs to take payment at all, financed rather than bought outright.
Ordering, ticketing and check-in kiosks that shorten queues and let a small team cover more counter hours than headcount allows.
Cash-to-card machines for venues going cashless without turning away customers who arrive holding banknotes.
Financing for the mandated hardware and software refreshes that arrive on somebody else's schedule and never at a convenient moment.
Capital for operators adding placements — several machines at once, structured so the whole route doesn't come due in the same month.
Two routes
There are two common ways a business ends up with a transaction machine, and they suit very different situations. Here is the honest comparison, including the case where we're not the answer.
You buy the equipment using our financing and it belongs to you. All surcharge income and transaction revenue is yours, and once the facility is repaid the machine keeps earning at no further cost.
An operator installs a machine at no cost and keeps most of the income, paying you a share. There's nothing wrong with this — for a low-traffic site it is frequently the better deal, and we'll tell you so.
Our terms
Equipment finance for small merchants attracts a certain style of selling: a headline monthly payment, a term nobody mentions, and an offer that mysteriously expires today. We quote the total.
The reason is self-interested as much as principled — a merchant who understood the deal keeps paying and comes back for the second machine.
The number that matters is what you pay in total, over how long
Our quote is the same tomorrow — no expiring offers
Your foot traffic, not a brochure figure from somewhere busier
Multiple machines structured so they don't all come due together
How it works
Where the machine goes, what kind of traffic it sees, and what you want it to do.
Realistic volume against realistic cost — including whether owning beats placement for you.
Amount, total repayable and schedule, walked through before anything is signed.
Equipment paid for, working capital released, and a contact who stays reachable.
Client feedback
I'd been giving away most of the surcharge to a placement company for years. They worked out that at my volume owning made sense, financed the machine, and showed me the crossover point on paper. I should have done it far sooner.
They told me my second location didn't have the traffic to justify owning a machine and suggested I take a placement deal there instead. Turning down half their own sale is why I financed four machines with them afterward.
Nobody had mentioned the cash float until they raised it — I'd budgeted for the machine and not for the money that has to sit inside it. They structured the financing to cover both. That question alone saved me a bad month.
FAQ
Get in touch
The site, the traffic, the equipment you're considering. We'll come back with real numbers — including whether financing is the right move at all.