Contractor Financing Guide · Decision

Contractor Financing Case Studies

By the Hearth team · Last updated: July 2026

TL;DR

The short answer

The honest version of a case-studies page: we're not going to invent testimonials. What Hearth's national funded-loan data shows in aggregate — across 76,000+ loans and nearly $1B funded in the analyzed cohort — is a consistent pattern: five-figure average projects (roofing $12,618, interior remodeling $19,230, pools $18,769), 40% of cohort contractors ever-funded, and funding rates that nearly double when homeowners see multiple offers. Named, verified customer stories are in production with our marketing team.

The aggregate case study

Across Hearth's analyzed contractor cohort (50,820 contractors, 76,600 funded loans, $969M+ in funded volume — internal rollup, June 2026): financed projects are consistently large-ticket. Average funded amounts by trade: General Contractor $17,483, Interior Remodeling $19,230, Pools $18,769, Buildings/Sheds $17,828, Roofing $12,618, Fencing/Decks $10,246, HVAC $8,819. That's the core commercial story — financing lives where tickets are five figures.

The offer-breadth pattern

The strongest measured effect in Hearth's homeowner data is structural, not anecdotal: homeowners shown 4–5 lender offers fund at 6.7%, versus 3.6% with a single offer — and the relationship is monotonic well beyond that. Marketplace breadth is the closest thing this industry has to a proven conversion lever on the financing side.

Named stories: coming, not invented

Three named, permissioned case studies (roofing, HVAC, remodel) are being produced with real numbers and customer sign-off. Until they clear verification, this page carries aggregate data only — we'd rather show you real math than a stock-photo testimonial.

FAQ

Why no named customers on this page yet?

Because unverified testimonials are marketing pollution. Named stories publish here once customers approve their numbers.

What results should a new contractor expect?

The aggregates say: expect financing to matter most on your largest tickets. Your own 90-day before/after on big-ticket close rate is the only number that matters for you.

Is the $969M figure Hearth's total volume?

It's the analyzed cohort's funded volume — a floor, not the platform total. We publish the conservative number.

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