135 E Tugalo St
Toccoa, GA, 30577 United States
(706) 886-7571 †
Benjamin Franklin was known for doling out sage financial advice to "common folk." Today, 1st Franklin Financial is known for doling out direct cash loans and first and second home mortgages to a similar demographic. Secured direct cash loans make up the lion's share of the company's lending activity; finance charges on loans account for the majority of its revenues. 1st Franklin also offers credit insurance to borrowers and supplements its business by purchasing and servicing sales finance contracts from retailers. The firm operates through about 250 branch offices in the Southeast. Chairman and CEO Ben Cheek III and his family own 1st Franklin, which was founded by his father in 1941.
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