Contractor Financing Guide · Consideration

Best Contractor Financing Companies (2026)

By the Hearth team · Last updated: July 2026

TL;DR

The short answer

The 'best' financing company depends on your volume and trade. The 2026 field: Hearth (18-lender marketplace, flat subscription typically $2,000–6,000/yr, no per-loan fee), Wisetack (pay-per-use, 3.9%+ per transaction, FSM-embedded), GreenSky (bank-backed dealer program, promo-driven fees), Acorn/Enhancify (lead-style marketplaces), plus captive programs (Service Finance, EnerBank-legacy) and FSM add-ons (Jobber, Joist). Several once-major players are no longer originating — verify before you commit.

How to read this market

Every serious option is one of four species. Marketplaces show the homeowner multiple lender offers (more approvals across the credit spectrum). Per-transaction platforms embed financing in your invoice flow and charge per financed job. Dealer programs are single-lender with merchant fees that scale with promo richness. FSM add-ons bolt a financing partner onto software you already pay for. Full side-by-side pages for each: see the comparison hub linked below.

What changed recently

The category has consolidated. Mosaic — one of the oldest solar-financing names, $15B+ originated — filed Chapter 11 in June 2025 and shut down originations. Other legacy names have rebranded or restricted eligibility. If a program you used two years ago has gone quiet, check its origination status before building your season's sales process on it.

Our obvious bias, stated plainly

This guide is published by Hearth, and Hearth is built around one thesis: contractors keep more margin with a flat subscription and no per-loan fee, and homeowners get approved more often when 18 lenders compete rather than one. Every competitor fact on our comparison pages carries a source and a date. Where a competitor is genuinely the better fit — very low financing volume, deep FSM lock-in — the comparison pages say so.

FAQ

What's the cheapest way to offer financing?

At low volume (a few financed jobs/yr): per-transaction platforms. At regular volume: flat-subscription models — cumulative 3.9% fees overtake a flat fee quickly at five-figure tickets.

Which platform approves the most customers?

Structure matters more than brand: multi-lender marketplaces produce offers across a wider credit range than any single underwriter. Hearth's data shows homeowners with 4–5 offers fund at nearly 2x the single-offer rate.

Are dealer-fee programs bad?

Not inherently — they fund rich promos (0% APR) that close certain buyers. But the fee comes from your margin or gets priced into your bid, and single-lender risk is real.

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Keep reading: What is contractor financing? Fees explained 2026 company guide