Solar Contractor Financing
What is Solar Contractor Financing?
Solar is one of the largest tickets in home improvement, and the sale collapses the moment the homeowner has to think about the gross price instead of a monthly number. Single-lender solar programs also leave credit-marginal buyers with exactly one no.
Solar buyers expect financing by default. A marketplace with multiple lenders — rather than one captive solar fintech — means more approvals across the credit spectrum and no dealer fee baked into your bid.
Among Hearth contractors who use both, jobs won with financing offered average 15%+ larger than jobs won without (median across 801 contractors, trailing 24 months).
How It Works
Sign up
Set up your Hearth account and add financing to your quotes and invoices.
Present financing
Every estimate shows a monthly-payment option next to the total price.
Customer applies in ~60 seconds
Soft credit pull, personalized offers from an 18-lender marketplace.
Get paid on your schedule
One of our lending partners funds your customer — you're paid in full, and they pay over time.
Illustrative example: a $25,000 solar project financed at 7.99% APR over 5 years is roughly $507/month. Actual rates and terms vary by lender and customer credit.
Hearth vs. Per-Transaction Financing
| Feature | Hearth | Wisetack | GreenSky |
|---|---|---|---|
| Contractor cost | Flat annual subscription — most companies invest $2,000–6,000/yr depending on level of service; no per-loan dealer fee | $0 subscription; 3.9% fee per financed transaction | 0.99%–15% per-transaction dealer fee depending on loan product (third-party 2026 reviews; GreenSky publishes no current schedule) |
| Loan range | $1,000–$250,000 | $500–$25,000 (some accounts up to $65,000) | Up to $100,000 |
| Terms | 2–12 years | 3–120 months; 0%–35.9% APR | 36–180 months (2024 distributor rate sheet) |
| Credit access | Down to 550 FICO, rates from 7.99% APR | 0%–35.9% APR | — |
| Application | Soft credit pull, ~60 seconds | Up to 6 offers via Wisetack's lending partners, soft credit pull | — |
Built for Solar Businesses
Financing is one piece of the close. Hearth also includes quotes, invoicing, contracts, payments, ai receptionist — so the same platform that carries the payment option also carries the quote the homeowner signs.
Solar Contractor Financing FAQ
How much does solar contractor financing cost?
Most companies invest between $2,000–6,000/yr depending on the level of service, with no expensive per-loan dealer fees — letting you keep more of your hard-earned cash. The homeowner pays their lender directly; rates start at 7.99% APR depending on credit.
Can my customers with lower credit scores still get offers?
Hearth's lender marketplace serves credit scores down to 550 FICO. Each homeowner sees personalized offers after a soft credit pull that doesn't affect their score.
How do solar contractors get paid through Hearth?
Get paid on your schedule. One of our lending partners funds your customer — you're paid in full, and they pay over time. No waiting on a financing company's draw schedule.
What's the minimum job size for solar financing?
Hearth financing covers projects from $1,000 up to $250,000 — from a panel addition to a full system with storage.
See financing on your next solar quote
Takes 60 seconds. No commitment required.
Start freeNo commitment. No hidden fees. Just more closed jobs.
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.