Construction Financing for Your Customers: How Builders & GCs Offer It
If you're a contractor or builder wanting to offer financing to your customers: you partner with a financing platform; the homeowner applies with a soft credit pull, picks a lender offer (Hearth's marketplace reaches $250,000 — enough for major remodels and additions), and the lender funds the project while you're paid in full.
- Loans to $250,000 — sized for real remodels and additions
- No dealer fee, no matter the project size
- Complements your normal deposit/progress schedule
Why project size makes financing different for GCs
Remodels, additions, and whole-home projects run $50K–$250K — past the ceiling of most point-of-sale financing products ($25K caps are common).
Loan ceiling
Hearth's lender marketplace covers $1,000–$250,000, terms 2–12 years. Rates and terms vary by lender and credit.
Draw-schedule fit
Customer financing funds the homeowner, who pays your normal deposit/progress schedule — it complements, not replaces, your payment terms.
No dealer fee at this size
A 6% dealer fee on a $120K project is $7,200. On a flat-fee platform, that fee simply doesn't exist — one large financed project can cover years of subscription.
Payment framing on six figures
"A $100K addition for about the cost of a car payment plus the mortgage" is a conversation. "$100,000" is a dead end.
Independently verified via standard amortization.
Same principal, higher rate band.
Doesn't exist on a flat-fee platform.
Illustrative only; not an offer of credit. Rates and terms vary by lender and customer credit.
How it works (GC/builder flow)
Bid the project
Total price + illustrative monthly payment, side by side on the proposal.
Customer prequalifies
~60 seconds, soft pull, sees offers from multiple lenders.
Customer accepts, lender funds
You invoice your normal schedule — financing complements it, doesn't replace it.
One flow, bid to final draw
Contracts with e-sign, invoicing, and payments around the financing itself.
Your top questions, answered
Can my customers finance a $150K remodel?
Yes — Hearth's marketplace covers loans to $250,000, subject to lender approval and the customer's credit. Terms 2–12 years.
Is this a construction loan with draws and inspections?
No — these are consumer home-improvement loans (typically unsecured personal loans through the marketplace): faster, no lien on the project, funded to the homeowner. Bank construction loans with draw schedules remain an option for customers who prefer secured lending.
What does it cost the contractor?
On Hearth, a flat $1,499–$4,999/yr subscription and no per-loan dealer fee. Dealer-fee alternatives charge a percentage of every financed project — painful at construction ticket sizes.
What about financing for my construction business itself?
Different product entirely — working capital, equipment loans, or lines of credit for your business. This page is about financing your customers' projects, not your own company.
Finance the addition. Not just the dream.
Loans to $250,000, no dealer fee, and a flow that complements your normal draw schedule.
