with hearth, use financing to
Turn “Not Right now” into “Let’s Do It.”
Grow your business with Hearth’s financing for contractors. Offer your customers affordable monthly payment options they can say yes to without losing your profits to dealer fees. If you’re not offering profit protection financing, you’re losing money. Period.
Professionals growing their businesses with Hearth’s financing solutions
Increase in closed estimates simply by offering financing options.
In project financing has been processed through Hearth’s platform.
Financing in 3 quick steps
(Select to Explore)
Proud to help real business owners
Financing Built to Help You Win More Jobs
Skip Expensive Per-Project Fees
No costly per-project dealer fees.
Close More jobs with ease
Home Improvement Financing can help your team close 17% more jobs.
loan options for most everyone
Access 18+ trusted lenders with flexible financing options, including personal loans, HELOCs, and 0% credit card offers.
Financing for Every Credit Score
FICO scores as low as 550. Rates as low as 7.99% APR.
Flexible Loans From $1K–$250K
Loans from $1K to $250K. Terms from 2 to 12 years.
Monitor Your Customers’ Financing Progress
Track your customers’ financing progress.
Whether you’re just starting out or scaling fast, Hearth gives you the system that turns potential into performance. Contractors nationwide are already winning more work with Hearth. Now it’s your turn.
“It’s Easy to use”
Risen Foundation Solutions has financed $1.2 million in projects since partnering with Hearth in 2020. Thanks to Hearth’s soft-pull pre-qualification process, they can offer flexible monthly payment options from a network of up to 17 lenders — even for customers with FICO scores as low as 550. By avoiding per-project dealer fees, Risen keeps their cash flow strong while making high-ticket work more accessible.
FREQUENTLY ASKED QUESTIONS
Your Top Questions, Answered
Everything you need to know about how Hearth’s customer-financing works, how to offer it, how customers apply, and what to expect when getting started.
Customer financing is a method of financing where a contractor is able to offer monthly payments to their customers in order to help them avoid paying large sums at one time for their projects. Hearth members can offer their customers personal loans and 0% introductory APR credit cards.†
† 0% introductory APR credit cards are an add on to the Hearth membership. Speak with a Hearth account executive at 512-686-4141 for more information.
Have you ever been in a situation where you offered a quote for your services and your potential customer was not happy with the price? By offering monthly payment options to your customers, you are able to fight sticker shock and win more jobs.
Interest rates can start as low as 7.99% for personal loans but a loan’s annual percentage rate (APR) depends on credit score, debt-to-income ratio, loan amount, loan terms, and other factors.
To offer customer financing:
1. Provide the job quote to your customer
2. Send a financing link to the Hearth pre-qualification form to your customer
3. Send a follow-up email to your customer to confirm the form is complete and they have chosen their options
4. If approved, your customer can get funded with in 24- 48 hours
Hearth’s lending partners can work with FICO scores as low as 550. Customers are able to check to see if they qualify for financing without affecting their credit score.
Yes, when customers are funded by Hearth, they are able to use the funds for any home improvement project. Contractors should refer to our terms and conditions for more details.
The money conversation can be tough. We recommend talking to your customers about financing as if it were like any other payment method. Explain that financing isn’t for everyone, but everyone should explore their monthly payment options because it might help them secure the project they want or need. With Hearth, you can include financing links and show estimated monthly payments at all points of the sales process using Hearth quotes, contracts, and invoices.
Hearth does not offer financing directly, but our network of lenders are able to finance popular industries like; Roofing, HVAC, Plumbing, Sidings and Exteriors, Landscaping, Pools and Spas, Flooring, and Fencing.
If you do not see your industry give us a call as we may be able to find financing options for you.
Hearth does not charge any additional fees to customers who qualify for financing.
