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30,000+
Pros Rely on
Hearth Everyday
$2B+
Projects Financed Through Hearth
4.6
Average Contractor Rating
A+
BBB Accredited Business
THE PROOF IN PANAMA CITY
From $30K kitchen to $90k job
How Kitchen & Bath Innovations used Hearth financing to triple their average project size, drive 200% overall project growth, and generate enough new revenue to successfully launch and expand a second business.
“When you’re offering financing up front, it makes a customer more likely to go with you over someone who doesn’t.”
Brian Flatt, owner – kitchen & bath innovations llc
Project growth
Funding speed
Tripled project size
Expansion into a cabinet showroom
FREQUENTLY ASKED QUESTIONS
Top questions contractors ask about financing
Everything you need to know about how Hearth’s customer-financing works, how to offer it, how customers apply, and what to expect when getting started.
Even customers who can pay cash often prefer to keep their cash and pay monthly. And the “tire kickers”? Many move forward once they see the project as a manageable monthly payment instead of a large upfront cost. Contractors who offer financing on every estimate typically see an 11% to 17% lift in sales. As one contractor put it: most people can’t write a $30,000 check, but they can handle a $400 or $500 payment.
Customers usually don’t ask because they assume they can’t afford it. Instead, they walk away or say they need to think about it. When you bring up financing on every quote, the conversation shifts. Instead of disappearing after hearing the price, customers start asking what the monthly payment looks like.
No. There are no dealer fees or per-loan fees, so you get paid in full on every financed job. In fact, financing often increases your average job size by 30% or more, which means your total margin dollars go up.
That’s a good sign—you already understand the value. But when customers get declined by your current lender, that’s lost revenue. Many contractors use Hearth alongside their existing partner to catch those deals and compare approval rates. You don’t need to switch to start winning more jobs.
It matters even more when you’re small. Every quote counts. Turning a “let me think about it” into a signed job can make the difference between a good month and a great one, even if you’re only closing a few jobs.
