UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

~~PURSUANT~~Pursuant TOTo ~~SECTION~~Section 13 ORor 15(d) OFof ~~THE SECURITIES EXCHANGE ACT OF 1934~~the

~~Date~~Securities ofExchange ~~Report~~Act ~~(Date~~ of ~~earliest event reported) September 20, 2011~~1934

Date of Report (Date of earliest event reported) October 6, 2011

ACCESS TO MONEY, INC.

(Exact Name of Registrant as Specified in Its Charter)

Delaware		0-19657		93-0809419
(State or Other Jurisdiction of Incorporation)		(Commission File Number)		(IRS Employer Identification No.)

1101 Kings Highway N, Suite G100 Cherry Hill, New Jersey 08034 (Address of Principal Executive Offices) (Zip Code) (856) 414-9100 (Registrant’s telephone number, including area code)

Cherry Hill, New Jersey 08034

(Address of Principal Executive Offices) (Zip Code)

(856) 414-9100

(Registrant’s Telephone Number, Including Area Code)

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 1.01 Entry into a Material Definitive Agreement.

~~Pursuant~~Promissory toNote ~~a Loan~~ and Security Agreement dated as of September 3, 2010 (the “Senior Loan and Security Agreement”) by and among Access to Money, Inc. (the “Company”), the Company’s subsidiaries, and Sovereign Bank, the Company obtained $5.5 million of senior secured financing (the “Senior Loan”). The Senior Loan is due September 3, 2015, accrues interest at the rate of 6.81% per annum, requires monthly payments of principal and interest amortizing over a five year period, and is secured by substantially all of our assets. The Senior Loan and Security Agreement contains financial covenants which, as amended, require that we maintain a minimum liquidity of $1.0 million on deposit with Sovereign Bank increasing to $1.5 million on December 31, 2011; maintain a fixed charge coverage ratio of not less than .65 to 1 as of the quarter ended June 30, 2011, increasing to 1.25 to 1 for quarters ending on or after December 31, 2011; and maintain a funded debt to EBITDA ratio of not more than 2.35 to 1 for the quarter ended June 30, 2011, decreasing to 2 to 1 for quarters ending on or after September 30, 2011.

AsOn ~~previously~~October ~~disclosed~~6, in2011, Access to Money, Inc. (the "Company’s", ~~Quarterly~~"we", ~~Report~~or on"us") ~~Form~~entered ~~10-Q~~into ~~for~~a ~~the~~Promissory ~~period~~Note ~~ended~~and ~~June~~Security ~~30,~~Agreement ~~2010~~(the ~~field~~"Loan Agreement") with ~~the~~LC ~~SEC~~Capital onMaster ~~August 15~~Fund, ~~2011~~Ltd. ("LC Capital"), pursuant to which LC Capital agreed to loan the Company ~~did~~up ~~not~~to ~~meet~~$750,000 (the ~~fixed~~"Loan"). Each ~~charge~~advance ~~coverage~~under ~~ratio~~the orLoan ~~the~~Agreement ~~funded~~shall ~~debt~~be in an amount of up to ~~EBITDA~~$250,000 ~~ratio~~(each, ~~for~~an "Advance" and collectively, the ~~quarter~~"Advances"). Advances ~~ended~~under ~~June~~the ~~30,~~Loan ~~2010,~~Agreement ~~however~~shall initially accrue interest at a rate of 6% per annum. On and after the three month anniversary of the Loan Agreement, ~~these~~Advances ~~violations~~shall ~~were~~accrue ~~waived~~interest at a rate of 10% per annum. Advances under the Loan Agreement are secured by a first priority security interest in certain automatic teller machines (the "LC Capital Collateral") as approved by Sovereign Bank. As of ~~June~~the ~~30,~~date ~~2011~~of this report, ~~the~~no ~~Company~~amounts ~~was~~have inbeen ~~compliance~~advanced ~~with~~under the ~~minimum~~Loan ~~liquidity covenant.~~Agreement

AsAmendment previously disclosed in the Company’s Current Report on Form 8-K filed with the SEC on August 17, 2011, on August 15, 2011, the Company entered into an Agreement and Plan of Merger (the "Merger Agreement") with Cardtronics USA, Inc., a Delaware corporation ("Cardtronics"), CATM Merger Sub, Inc. (the "Sub"), a Delaware corporation and wholly owned subsidiary of Cardtronics, and LC Capital Master Fund, LP ("LC Capital"), the beneficial owner of 10,997,903 shares of the Company’s outstanding common stock, $0.001 par value (the "Common Stock"). The Agreement contemplates a merger (the "Merger") of Sub with and into the Company pursuant to ~~which~~Intercreditor we will become a wholly owned subsidiary of Cardtronics. Subsequent to the execution of the Merger Agreement, the Company failed to maintain at least $800,000 on deposit with Sovereign Bank. This resulted in a breach of the minimum liquidity covenants contained in our Senior Loan and ~~Security~~Subordination Agreement and our 2010 Secured Notes causing an event of default under both facilities. On September 20, 2011, we entered into separate forbearance agreements (collectively, the “Forbearance Agreement”) with each of Sovereign Bank and LC Capital pursuant to which our lenders agreed not to exercise any of their rights or remedies as a result of the foregoing default until the early of: (i) the occurrence of any additional event of default under the loan agreements; (ii) a breach by us of the Forbearance Agreement; (iii) the filing of a petition under any bankruptcy or debtor relief law; or (iv) November 15, 2011. A default in or termination of the Merger Agreement constitutes an event of default under the Forbearance Agreement. As a result, if the Merger Agreement is terminated Sovereign Bank and LC Capital will have the right to exercise any and all rights and remedies as a result of the foregoing event of default.

In connection with the Loan Agreement, on October 6, 2011, the Company entered into an amendment to the Intercreditor and Subordination Agreement dated as of September 3, 2010 (the "Amendment") with Sovereign Bank, Lampe Conway & Company, LLC, LC Capital and Cadence Special Holdings II, LLC. Pursuant to the Amendment, Sovereign Bank agreed to permit LC Capital to have a first lien and security interest in the LC Capital Collateral. The amount of the priority interest is equal to the lesser of: (i) the amount advanced under the Loan Agreement and (ii) $750,000 plus any accrued interest.

Other than as revised by the Amendment, the terms and conditions set forth in the Intercreditor and Subordination Agreement remain in effect.

The descriptions of the Loan Agreement and the Amendment set forth above are qualified in their entirety by reference to copies of such agreements filed as exhibits to this report and incorporated herein by this reference.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

The information provided in Item 1.01 regarding the Loan Agreement and the Amendment are incorporated by reference into this Item 2.03.

~~Item~~Cautionary ~~9.01 Exhibits~~Notice Regarding Forward Looking Statements

~~(d) Exhibits~~Certain statements in this Current Report on Form 8-K may be deemed to be forward-looking statements. ~~The~~These ~~following~~forward-looking ~~exhibit~~statements are based on current expectations, estimates, forecasts and projections of future company or industry performance based on management’s judgment, beliefs, current trends and market conditions. Actual outcomes and results may differ materially from what is ~~furnished~~expressed, ~~with~~forecasted or implied in any forward-looking statement. Forward-looking statements made by the Company may be identified by the use of words such as "will," "expects," "intends," "plans," "anticipates," "believes," "seeks," "estimates," and similar expressions. There are a number of risks and uncertainties that could cause actual results to differ materially from the forward-looking statements included in this ~~Current~~document. For example, (1) the Company may be unable to obtain stockholder approval required for the transactions; (2) conditions to the closing of the transactions may not be satisfied; (3) the business of the Company may suffer as a result of uncertainty surrounding the transactions; and (4) the Company may be adversely affected by other economic, business, and/or competitive factors. These and other factors that could cause the Company’s actual results to differ materially from those expressed or implied are discussed under "Item 1A. Risk Factors" of our Annual Report on Form 810-K: for the year ended December 31, 2010 and in other reports filed with the Securities and Exchange Commission.. The Company undertakes no obligation to update any forward-looking statements, whether as a result of new information, future events or otherwise. Readers are cautioned not to place undue reliance on these forward-looking statements.

No.	Description
10.1	Forbearance Agreement by and between Access to Money, Inc. and Sovereign Bank dated September 20, 2011.
10.2	Forbearance Agreement by and between Access to Money, Inc. and Lampe Conway & Co. dated September 20, 2011.

Additional Information and Where to Find It

In connection with the proposed transaction, a proxy statement of the Company and other materials will be filed with the Securities and Exchange Commission (the "SEC"). WE URGE INVESTORS TO READ THE PROXY STATEMENT AND THESE OTHER MATERIALS CAREFULLY WHEN THEY BECOME AVAILABLE BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT THE COMPANY AND THE PROPOSED TRANSACTION. Investors will be able to obtain free copies of the proxy statement (when available) as well as other filed documents containing information about the Company on the SEC’s website at http://www.sec.gov. Free copies of the Company’s SEC filings are also available from Access to Money, Inc., 1101 Kings Highway North, Suite G100, Cherry Hill, NJ 08034-1912, Attention: Michael J. Dolan.

Participants in the Solicitation

The Company and its executive officers, directors, other members of management, employees may be deemed, under SEC rules, to be participants in the solicitation of proxies from the Company’s shareholders with respect to the proposed transaction. Information regarding the executive officers and directors of the Company is set forth in its definitive proxy statement for its 2011 annual meeting filed with the SEC on April 20, 2011. More detailed information regarding the identity of potential participants, and their direct or indirect interests, by securities holdings or otherwise, will be set forth in the proxy statement and other materials to be filed with the SEC in connection with the proposed transaction.

~~Signatures~~Item 9.01 Financial Statements and Exhibits.

~~Pursuant~~(d) ~~to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.~~Exhibits

	ACCESS TO MONEY, INC.
	By:	/s/ Michael J. Dolan
	Name:	Michael J. Dolan
Date: September 23, 2011	Title:	Chief Financial Officer

No.

Description

10.1

Promissory Note and Security Agreement dated October 6, 2011 by and among the Company and LC Capital Master Fund, LP.

10.2

Amendment to Intercreditor and Subordination Agreement dated as of September 3, 2010, by and among the Company, Sovereign Bank, Lampe Conway & Co., LLC, LC Capital Master Fund, LP, and Cadence Special Holdings II, LLC.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	ACCESS TO MONEY, INC.

	By:	/s/ Michael J. Dolan
	Name:	Michael J. Dolan
Date: October 11, 2011	Title:	Chief Financial Officer

Filing Compare · Access to Money, Inc.