Customer Financing for Contractors
Contractor Financing That Turns “Not Right Now” Into “Let’s Do It”
Contractor financing lets your customers pay monthly instead of all at once — so you close more jobs without cutting your price.
Professionals growing their businesses with Hearth’s financing solutions
Increase in closed estimates simply by offering financing options.
In project financing has been processed through Hearth’s platform.
Financing in 3 quick steps
Step 1
Offer Financing
Send a financing link straight from your quote, contract, or invoice. No extra paperwork on your end.
Step 2
Customer Pre-Qualifies
They fill out a short form and instantly see monthly payment options. Zero impact to their credit score.
Step 3
Project Gets Funded
Once approved, funds go directly to your customer in as little as 24 hours. You get paid and the job moves forward.
Proud to help real business owners
Financing Built to Help You Win More Jobs
Skip Per-Project Fees
No costly per-project dealer fees eating into your margins. What you quote is what you keep.
Close More Jobs
Offering monthly payments helps teams close 17% more jobs by beating sticker shock.
Loan Options for Everyone
18+ trusted lenders with personal loans, HELOCs, and 0% intro APR credit card offers.
Every Credit Score
Lending partners work with FICO scores as low as 550. Rates as low as 7.99% APR.
Loans From $1K to $250K
Flexible amounts from $1K to $250K with terms from 2 to 12 years.
Track Every Deal
See where each customer stands, from application to funding, right in your dashboard.
Whether you’re just starting out or scaling fast, Hearth gives you the system that turns potential into performance. Contractors nationwide are already winning more work with Hearth. Now it’s your turn.
“It’s Easy to use”
Risen Foundation Solutions has financed $1.2 million in projects since partnering with Hearth in 2020. Thanks to Hearth’s soft-pull pre-qualification process, they can offer flexible monthly payment options from a network of up to 17 lenders — even for customers with FICO scores as low as 550. By avoiding per-project dealer fees, Risen keeps their cash flow strong while making high-ticket work more accessible.
FREQUENTLY ASKED QUESTIONS
Your Top Questions, Answered
Everything you need to know about how Hearth’s contractor financing works, what it costs, and what to expect from application to funding.
Contractor financing lets your customers pay for their project in monthly installments instead of all at once, while you still get paid the full amount up front. Hearth connects homeowners to a network of 18+ lending partners who handle the loan directly, so you’re never the one collecting payments.
Send the customer a financing link from any quote, invoice, or contract. They fill out Hearth’s short pre-qualification form and review their monthly payment options. Once they select an option and are approved, funds are disbursed and the job can move forward.
Nothing per project. Hearth doesn’t charge contractors dealer fees, no matter your customer’s credit score. Financing is included with your Hearth membership at no additional per-job cost.
No. Hearth’s lending partners work with FICO scores as low as 550, and customers can check their options with a soft credit pull that doesn’t affect their score.
As little as 24 hours. Once a customer selects and is approved for a loan option, funds are typically disbursed within a day, so the job can move forward without delay.
Loan amounts range from $1,000 to $250,000, with terms from 2 to 12 years depending on the lender and loan type. Qualified homeowners can also access 0% introductory APR credit card options with terms of 6–18 months.
No. Financing is disbursed directly to your customer, not routed through your books, so there’s nothing extra to reconcile. You get paid for the job as usual — the loan repayment happens entirely between the customer and the lender.
Hearth’s network of lenders finances popular trades including Roofing, HVAC, Plumbing, Siding and Exteriors, Landscaping, Pools and Spas, Flooring, and Fencing.
If you don’t see your industry listed, give us a call — we may still be able to find financing options for you.
If a customer doesn’t qualify with one lender, Hearth automatically checks them against our full network of 18+ partners, so they still have a shot at multiple offers. Offering financing never obligates the customer, or you, to move forward — if nothing comes through, you can always fall back to a standard payment arrangement.
