← State of Embedded Finance 2026

Murfy

Can a fixed-price appliance repair network expand into a full home-services platform (heating, solar, refurbished appliances) and use embedded financing to reduce the cost barrier for French households?

HQNieppe, France (59850)
IndustryVertical SaaS / Home Appliance Repair
The story

Murfy started as a fixed-price, on-demand home appliance repair platform targeting French consumers frustrated by irreparable or costly white-goods failures. It expanded into selling certified-refurbished appliances from its own workshops, then added consumer financing (3-instalment payments) to reduce purchase friction. More recently it has broadened into heating system maintenance and solar panel installation, evolving from a single-trade repair service into a multi-service home-maintenance platform. The company operates as a French SAS (simplified joint-stock company) headquartered in Nieppe, near Lille.

Last 12 months
2025-11
2026-02
Product timeline
2025
Suffered a data security incident on 9 November 2025; personal data (name, address, email, phone) of some customers was accessed, though no banking or payment data was compromised.· pivot
The stack
Lending
DefactoPaiement en 3 fois (3-instalment payment for refurbished appliances)
Accounting gap: minor