Hearth
Contractor Financing · Philadelphia, PA

Philadelphia Contractor Financing:
Close Bigger Jobs with Monthly Payments

By the Hearth team · Last updated: July 2026

18-lender marketplace
$1,000–$250,000 projects
Flat fee — $0 per loan
TL;DR

The short answer

Yes — Hearth works for Philadelphia contractors today. It's a flat annual subscription (no per-loan dealer fee) that lets any contractor offer homeowner financing: personalized offers from an 18-lender marketplace, $1,000–$250,000, terms 2–12 years, soft credit pull. More than 15,000 contractors nationwide use it to quote monthly payments instead of lump sums.
Local Angle

Why Philadelphia contractors offer financing

In Philadelphia, rowhome renovations and aging roofs anchor the metro's project mix. Big tickets are exactly where a lump-sum quote loses to a monthly payment — the homeowner doesn't have the cash on hand, but they can say yes to a payment.

$12,618avg financed Roofing project (national Hearth data)
$19,230avg financed Interior Remodeling project (national Hearth data)
$8,819avg financed HVAC project (national Hearth data)

Project-size figures are national Hearth funded-loan averages, not Philadelphia-specific. Sources in footer.

How It Works

How it works

  • Send a financing link with any quote — text, email, or QR on the printed bid
  • The homeowner sees personalized offers from an 18-lender marketplace in about 60 seconds, with a soft credit pull
  • They pick an offer, the lender funds them directly, and you get paid like a cash job — no dealer fee
FAQ

Philadelphia contractor financing FAQ

Is Hearth available in Philadelphia, PA?

Yes. Hearth is available to contractors nationwide, including Philadelphia. Homeowner financing offers come from an 18-lender marketplace and vary by the homeowner's credit, not by city.

How much does it cost?

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. There is no per-loan dealer fee: the contractor pays the same whether they finance two jobs or two hundred.

What project sizes can Philadelphia homeowners finance?

Loan offers span $1,000 to $250,000 with terms from 2 to 12 years, which covers everything from a repair ticket to a full remodel.

Does offering financing actually help close jobs?

Hearth's national data shows homeowners who see 4–5 loan offers fund at 6.7% versus 3.6% with a single offer — more options mean more funded projects. Financed homeowners also buy the full scope more often than cash buyers who value-engineer the quote down.

Start offering financing in Philadelphia

Takes 60 seconds. No commitment required.

Start free

No commitment. No hidden fees. Just more closed jobs.

Popular trades: Roofing HVAC Pools

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.