Contractor Financing Guide · Implementation

Setting Up Customer Financing

By the Hearth team · Last updated: July 2026

TL;DR

The short answer

Setting up customer financing is a one-week project: day 1 create the account and financing link; day 2 put the link on every quote/invoice template and your website; day 3 train the team on payment-first quoting; then measure four numbers for 90 days (big-ticket close rate, average ticket, quotes-sent-with-financing share, financed revenue share). The setup is easy — the habit change is the actual work.

Day 1 — the account

Self-serve signup, business details, logo, and you have a branded financing page plus a personal link and QR code. With Hearth the homeowner side is a soft-pull application returning personalized offers from 18 lenders in about a minute — nothing for you to underwrite or configure beyond branding.

Days 2–3 — the plumbing and the pitch

Put the link where prices live: quote PDF footer, invoice, estimate emails and texts, website header, yard signs. Then set the team habit: every quote over your threshold (most trades: $5K–$8K) goes out with a monthly-payment line next to the total. Script it: 'That's $14,800 all-in — most customers finance it at around $210 a month.' The payment goes on the bid proactively; waiting to be asked suppresses uptake.

Weeks 2–12 — measure like an operator

Baseline your trailing close rate by ticket band first, then watch four numbers: close rate on quotes above your threshold, average approved ticket, share of quotes sent with financing attached, financed share of revenue. The last two are leading indicators — if quotes aren't going out with financing attached, the tool can't work. Review at 90 days against the subscription cost; one incremental five-figure job typically covers the year.

FAQ

What's the biggest implementation mistake?

Setting it up and not attaching it — financing that only appears when a homeowner asks reaches a fraction of bids. Attach by default above a ticket threshold.

Do I need my whole team trained?

Anyone who quotes needs the one-sentence payment framing. It's a script habit, not a technical skill.

When should I evaluate whether it's working?

90 days — a real sales cycle. Judge on big-ticket close rate and financed share, not week-one anecdotes.

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Keep reading: What is contractor financing? Fees explained 2026 company guide