Hearth
Contractor Financing Comparison · 2026

Hearth vs JobFlex:
Fees, Lenders & Which Fits Your Business

By the Hearth team · Last updated: July 2026

Hearth: flat fee, $0 per loan
JobFlex: Free plan: $0 (1 user, up to 6 quotes/invoices). Basic: $8/m…
18-lender marketplace
TL;DR

The short answer

Hearth vs JobFlex: Hearth charges a flat annual subscription — most companies invest between $2,000–6,000/yr depending on the level of service — with no per-loan dealer fee, connecting homeowners to an 18-lender marketplace. JobFlex: Free plan: $0 (1 user, up to 6 quotes/invoices). Basic: $8/mo or $56/yr (single user, unlimited clients/estimates/invoices/material items). Pro: $15/mo or $90/yr (unlimited users, multi-user management, performance reporting, Google Calendar sync). Which wins depends on your financed volume and ticket size — flat-fee models pull ahead as volume grows.
Compare

Side-by-side

HearthJobFlex
What the contractor paysFlat annual subscription; $0 per financed transactionFree plan: $0 (1 user, up to 6 quotes/invoices). Basic: $8/mo or $56/yr (single user, unlimited clients/estimates/invoices/material items). Pro: $15/mo or $90/yr (unlimited users, multi-user management, performance reporting, Google Calendar sync).

Every JobFlex cell above is sourced (see footer). Rates and terms vary by lender and customer credit.

FAQ

Hearth vs JobFlex FAQ

How much does JobFlex cost contractors?

Free plan: $0 (1 user, up to 6 quotes/invoices). Basic: $8/mo or $56/yr (single user, unlimited clients/estimates/invoices/material items). Pro: $15/mo or $90/yr (unlimited users, multi-user management, performance reporting, Google Calendar sync).

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.

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.

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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.