An introduction.

Joseph Mello is a Massachusetts entrepreneur and operator. He co-founded Atlantic ATM with his father in 1994, building on the lending company his father started in 1978. What began as a family finance practice is now a set of businesses in cash services, private capital, and energy — still run with the same standard after more than four decades.

Atlantic ATM grew out of lending clients who needed machines on site. It is the oldest private ATM company in America, with nationwide sales, placement, and processing, and event and rental service in the Northeast. Atlantic Lending Services continues to provide business loans, equipment financing, real estate financing, and private capital. A third division, built from long work in oil and commodities, brokers those transactions for qualified buyers and sellers.

He serves on the Board of Directors of World’s Best Nutritionals and Organics, and he is available to consider additional board seats where operating experience in services, finance, or consumer brands would be useful.

He also recommends selected programs he uses himself, including the training at Wealth Frequency Secret and the MWR Life travel membership.

In 2025 the Carnegie Hero Fund Commission awarded him the Carnegie Medal for rescuing his father from a house fire in Ipswich, Massachusetts. You can read the official Hero Page they created for that day here.

If something on this site is useful — a machine, a conversation about capital, a commodity introduction, a board discussion, or one of the programs — you are welcome to write.