Hearth vs Enhancify:
Fees, Lenders & Which Fits Your Business
The short answer
Side-by-side
| Hearth | Enhancify | |
|---|---|---|
| Revenue model (battle card) | — | Subscription |
| What the contractor pays | Flat annual subscription; $0 per financed transaction | Annual membership subscription — Enhancify's own comparison page states 'Simple annual membership fee ($1,249 / $1,749 / $4,999)' (Self-Service / Professional Growth / Concierge tiers per third-party review). $0 dealer fees; contractors instead EARN commissions up to $650 per funded deal ('starting at $50') plus $200 referral bonuses. |
| Dealer fees | No | No |
| Enrollment fee | Yes | $999 / $1,499 / $4,999 per year |
| Contractor paid upfront | Yes | Yes |
| How financing works | Marketplace — homeowner sees personalized offers from an 18-lender network, soft credit pull | Marketplace / lead-referral platform — 'THE OPERATOR OF THIS WEBSITE IS NOT A LENDING PARTNER, does not make credit decisions'; refers customers to 30+ lenders (third-party review names Upgrade, OneMain, LightStream, PenFed). Lender funds customer's bank account in 2-3 business days; Enhancify does not earn revenue through loan interest. |
| Lending partner | 17 | 30+ |
| Apply to multiple lenders at once | Yes | Yes |
| See application status | Yes | No |
| Loan amounts | $1,000 – $250,000 | $500 to $200,000 (site legal disclosure: 'Loan amounts range from $500-$200,000'); marketing pages cite 'up to $200,000' / '$200,000 funding per job (max)' |
| Credit limit | $250,000 | $250,000 |
| Loan type | Installment | Installment |
| Interest-free plans | Yes | Yes |
| Terms | 2–12 years, fixed monthly payments | Up to 15 years (vs-Synchrony comparison table); contractor how-it-works page markets '12-year terms, the longest in the home improvement financing market' |
| APR range | From 7.99% APR (varies by lender and credit) | 'Rates as low as 7.99%' plus 0% promotional APR offers for qualifying customers; no published ceiling (terms vary by lending partner) |
| Credit model | Soft-pull prequalification; lenders serve a wide credit spectrum (FICO down to ~550 on some offers) | Soft pull for pre-qualification ('Soft pulls only - No impact on credit scores'); hard pull performed by the chosen lender at final application. Serves FICO 550-850 ('Credit scores as low as 550'). |
| Credit score (FICO) | All | All |
| Soft credit pull | Yes | Yes |
| Trades served | All home-improvement trades | Home improvement focus — testimonials/pages cover roofing, HVAC, landscaping, fencing, kitchen/bath remodel, windows, siding. Claims 5,000+ active contractors. Not available in all states (service disclosure). |
| Markets served | Home Improvement | Home Improvement |
| Size & stage | 5 years in business; ~200 employees | Private, boostrapped since 2018 |
Every Enhancify cell above is sourced (see footer). Rates and terms vary by lender and customer credit.
Where Enhancify falls short
- Small company (3,500 customers vs. Hearth's 25,000 customers) Hearth's Customer Service is bigger than all of Enhacify -No App, desktop only
- No invoice, etc -Smaller referral fee of $200 (vs. our $500)
- Smaller platform than Hearth, home-improvement focused
- Pays contractors kickbacks per loan facilitated
- No dealer fees; charges a flat annual fee (not per location/user)
Source: Hearth competitive battle card and sales objection research (internal, reviewed 2026).
Hearth vs Enhancify FAQ
How much does Enhancify cost contractors?
Annual membership subscription — Enhancify's own comparison page states 'Simple annual membership fee ($1,249 / $1,749 / $4,999)' (Self-Service / Professional Growth / Concierge tiers per third-party review). $0 dealer fees; contractors instead EARN commissions up to $650 per funded deal ('starting at $50') plus $200 referral bonuses.
Does Hearth charge a dealer fee per loan?
No. Hearth is a flat annual subscription — most companies invest between $2,000–6,000/yr depending on the level of service, plus a one-time $99 setup fee. Financing offers come from third-party lenders and the contractor pays no per-transaction fee.
How do approvals compare between Hearth and Enhancify?
Hearth shows soft-pull personalized offers from an 18-lender marketplace serving a wide credit spectrum. Enhancify: Soft pull for pre-qualification ('Soft pulls only - No impact on credit scores'); hard pull performed by the chosen lender at final application. Serves FICO 550-850 ('Credit scores as low as 550').
Which trades does Enhancify serve?
Home improvement focus — testimonials/pages cover roofing, HVAC, landscaping, fencing, kitchen/bath remodel, windows, siding. Claims 5,000+ active contractors. Not available in all states (service disclosure).
Can I switch to Hearth mid-season?
Yes. Onboarding is self-serve; most contractors send their first financed quote the same week. There is no per-loan fee to model — one flat subscription.
See your financing options
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More than financing — your front office, handled
Harper, your AI assistant
Harper answers the calls you miss, captures leads after hours, and introduces monthly-payment options automatically — so no job inquiry slips through while you're on site.
Concierge onboarding
Hearth's concierge team sets financing up inside your sales process and trains your team, so offering payment options is seamless from day one.