Spring Home Improvement Trends: Why Now is the Best Time to Offer Financing
As winter fades and homeowners turn their attention to renovation projects, spring becomes one of the busiest seasons for contractors. With warmer weather, tax refunds, and a desire to refresh living spaces, demand for home improvements surges. For contractors, this seasonal shift presents a valuable opportunity—not just to book more jobs, but to increase project […]
How Does Financing Affect My Right to Lien?
Offering customer financing can be a great way for contractors to win more business, but it raises an important question: Does financing affect my mechanics’ lien rights? Mechanics’ liens are one of the strongest tools contractors have to get paid for their work, so it’s critical to understand how extending financing to a client might […]
How to Use Financing as a Marketing Tool to Attract More Customers
Homeowners dream of upgrading their homes, but financial concerns often hold them back. Whether it’s a new deck, a kitchen remodel, or an HVAC upgrade, the biggest obstacle isn’t usually interest—it’s affordability. By marketing financing as a core service, you remove a key barrier, making it easier for potential clients to move forward with their […]
How Do Interest Rates Affect a Home Improvement Business?
Are you in the market for new equipment or a bigger space to conduct business? Before making a big purchase, here are 12 questions you should ask ahead of time.
February 2025 Hearth Product Updates
At Hearth, we know that offering financing can be a game-changer for contractors—helping them close more deals, secure higher-value projects, and improve cash flow. But we also know that navigating the financing process isn’t always easy. That’s why we’re excited to introduce Concierge, our premium, done-for-you financing service that doubles your funding success rate, secures […]
Financing vs. Credit Cards: What’s the Best Payment Option for Homeowners?
When it comes to paying for home improvements, homeowners often find themselves weighing different payment options. Should you opt for traditional financing or take advantage of special credit card offers? Let’s break down both options to help you make the best choice for your home improvement project. Understanding Your Homeowner’s Payment Options Before diving into […]
What Is a Soft Pull and Why Is It Important?
When homeowners consider financing a home improvement project, one of their biggest concerns is how it will affect their credit score. Many customers hesitate to apply for financing simply because they fear that a credit check could lower their score—even if they ultimately decide not to move forward. As a contractor offering financing, it’s important […]
What Is a Dealer Fee?
When contractors explore financing options for their customers, they often encounter the term “dealer fee”—a charge imposed by many lenders when offering financing. But what exactly is a dealer fee, and how does it impact your business and your bottom line? In this installment of our Financing Fundamentals series, we’ll break down what dealer fees […]
January 2025 Hearth Product Updates: Smoother, Faster, and More Powerful Than Ever
Ready to take your business to the next level in 2025? We hear you! We’ve been listening to your feedback and working hard to improve your experience. This latest round of Hearth product updates enhances client management, invoicing, mobile usability, and overall performance. Here’s everything you need to know about what’s new! Updated App Design […]
How the 2025 HVAC Price Increase Could Affect Your Business
You’ve seen it everywhere: HVAC prices are increasing in 2025. But why? And what does that mean for your customers? For your business? New EPA regulations mandate that all new HVAC units use a safer and more efficient refrigerant called Puron Advance starting January 1, 2025. The kicker? Not only can manufacturers not build ducted […]
