Benjamin Franklin Plumbing
“Can a franchised home-services brand embed point-of-need consumer financing deeply enough into the service call workflow to convert high-ticket repairs into affordable monthly payments and grow average ticket size?”
Benjamin Franklin Plumbing is a franchise-model residential plumbing business operating under the Authority Brands family (which also includes Mr. Sparky, One Hour Heating & Air Conditioning, and other home-service brands). The brand operates no central financial infrastructure of its own — each location is independently owned and operated by a franchisee. Embedded finance is deployed at the point of service: consumer lending and patient/homeowner financing are the primary embedded finance layer, offered through multiple competing lenders (Momnt/BuyFin, GoodLeap, GreenSky, Synchrony) selected at the local franchisee level. ServiceTitan provides the field-service management platform that integrates scheduling, dispatch, CRM, and financing workflows across the network.