Hearth vs Wisetack: skip the per-job fee
Hearth is a flat annual subscription with $0 per-loan dealer fees, an 18+ lender marketplace, and Harper — Hearth's AI layer for receptionist, financing follow-up, and social content. Wisetack charges 3.9%+ on every financed job, no subscription.
- No per-project dealer fees, any lender in the network
- 18+ lenders, FICO scores down to 550 served
- Harper AI: receptionist, loan follow-up, social content
Financing in three easy steps
Pre-Qualify
A short online request pre-qualifies the customer across 18+ lending options — soft pull, no score impact.
Pick a plan
Contractors present a payment plan on-site, in the quote, or as a follow-up — no per-loan fee either way.
Get funded
Once approved, funds move to the homeowner in as little as 24 hours. You get paid, job moves forward.
"We sold an additional 15 units last year. You've given financing, and we're on to the next job."Buck, HVAC — Refresh AC and Heating
What 20 jobs a year actually costs
Average ticket $12,000. Rates and terms vary by lender and customer credit — figures below are illustrative.
20 × $12,000 × 3.9% in transaction fees
Same subscription whether you finance 20 jobs or 200
Break-even lands around 3–10 financed jobs a year depending on ticket size. Below that, Wisetack's pay-per-use can be cheaper. Above it, the per-transaction model becomes one of the larger line items on your P&L.
Where each one actually fits
Fits if you...
- Finance jobs every month — the flat fee outpaces 3.9% fast at volume
- Run large tickets (roofs, HVAC systems, decks) where one 3.9% fee is $500+
- Want Harper's AI receptionist, loan follow-up, and social content bundled in, not just financing
- Want to quote a monthly payment without pricing a fee into every bid
Only fits if you...
- Finance a handful of jobs a year and the per-transaction fee stays small in absolute dollars
- Already run every job through ServiceTitan/Jobber/Housecall Pro and don't want a second workflow
- Keep tickets consistently under $25K, since that's Wisetack's practical ceiling
Note the "only" — each of these has a real cost if your volume or ticket size grows past it. Re-run the math above before committing.
What Harper actually includes
Harper isn't just a receptionist. It's Hearth's full AI layer — exclusive to Hearth, not something Wisetack, GreenSky, or any dealer-fee lender offers.
Hearth Pro
- Financing marketplace: 18+ lenders, $0 dealer fees
- Quotes with monthly payments built in
- 0% credit-card offers for homeowners
- Client management, web tools, Hearth Pay
Pro + Harper
- Everything in Pro
- AI Receptionist: every lead answered, 24/7
- AI Loan Assistant: every financing application chased to funded
- Social Media Creator: ad-ready content in seconds
Your top questions, answered
Does Hearth charge a dealer fee per loan?
No. Hearth is a flat annual subscription ($1,499–$4,999/yr plus a one-time $99 setup fee). The contractor doesn't pay a per-transaction fee, regardless of financing volume.
Does Wisetack cost the homeowner anything extra?
Wisetack loans are simple interest with no late fees or prepayment penalties; APRs run 0%–35.9% depending on credit. The contractor pays the 3.9% transaction fee.
What is Harper, and is it part of Wisetack too?
Harper is Hearth's AI layer — an AI receptionist that answers every lead, an AI Loan Assistant that follows up on financing applications until they're funded, and a Social Media Creator for ad content. It's exclusive to Hearth's Pro + Harper plan.
Can I use both Hearth and Wisetack?
Nothing stops you — some contractors run Wisetack inside their FSM for small tickets and Hearth for large-ticket bids. Compare your annual fee total against financed volume before paying twice.
Skip the per-job fee. Keep your margin.
Hearth lets you offer customers monthly payments with $0 dealer fees, an 18+ lender marketplace, and Harper's AI receptionist, loan follow-up, and social content on top.
