Contractor Financing Comparison · 2026

Hearth vs Wisetack:
Which Contractor Financing Platform Is Right for You?

By the Hearth team · Last updated: July 2026

Hearth: flat fee, $0 per loan

Wisetack: 3.9% per transaction

Break-even ≈ 3–10 financed jobs/yr

TL;DR

The short answer

Hearth vs Wisetack: Hearth charges a flat annual subscription — most companies invest between $2,000–6,000/yr depending on the level of service — with no per-loan dealer fee and connects homeowners to personalized offers from its 18-lender marketplace. Wisetack charges contractors 3.9% on every financed transaction with no subscription. High-volume contractors typically keep more margin with a flat fee; occasional financers may prefer pay-per-use.

Compare

Side-by-side

	Hearth	Wisetack
Pricing model	Flat annual subscription — most companies invest $2,000–6,000/yr depending on level of service (+ one-time $99 setup)	$0 subscription; 3.9% fee per financed transaction
Per-loan dealer fee	None	3.9% standard; Extended 0% APR promos run ~4.9%–6.9% per transaction depending on term
How offers work	Personalized offers from an 18-lender marketplace, soft credit pull	Up to 6 offers via Wisetack's lending partners, soft credit pull
Typical loan range	$1,000–$250,000; terms 2–12 years	$500–$25,000 (some accounts up to $65,000)
Terms / APR	Vary by lender & credit; rates from 7.99% APR	3–120 months; 0%–35.9% APR
Extra tooling	Quotes, invoicing, contracts, payments, AI receptionist	Payments; deep FSM integrations (ServiceTitan, Jobber, Housecall Pro)
Best for	Contractors financing multiple jobs/month who want margin predictability	Contractors already living in an FSM who finance occasionally

Rates and terms vary by lender and customer credit. Payment examples are illustrative.

The Math

The math that actually decides it

Financing 20 jobs a year at a $12,000 average ticket costs about $9,360/yr in Wisetack transaction fees (20 × $12,000 × 3.9%) versus a flat Hearth annual subscription (most companies invest $2,000–6,000/yr). Break-even lands around 4–13 financed jobs a year depending on ticket size and level of service.

$9,360/yrWisetack fees at 20 jobs × $12K ticket

$2,000–6,000/yrtypical Hearth annual investment (level of service)

3–10 jobs/yrApproximate break-even range

Below break-even, Wisetack's pay-per-use is genuinely cheaper. Above it, the per-transaction model quietly becomes one of your larger overhead lines — the more financing helps you close, the more you pay for it.

Homeowners have caught on, too. In a 2026 r/hvacadvice thread on contractor 0% financing offers, the question put straight to the room: "Did your contractor increase the price because you financed?" Per-transaction dealer fees are exactly why that question exists — and a flat-fee model is how a contractor gets to answer "no."

Battle card

Where Wisetack falls short

Dealer fees
Newer, smaller lender
Only one lending partner
No invoices, mobile app, etc
$25k max approval
Typically requires higher credit scores for approval
Maximum loan amount cited at $25,000
3.9% dealer fee per financed job; higher on 0% promotional plans
Homeowner sees a maximum of 6 loan options
Requires proof of completion; contractor paid 1–3 business days after

Source: Hearth competitive battle card and sales objection research (internal, reviewed 2026).

Decision Guide

Choose Wisetack if…

You finance a handful of jobs a year and don't want a subscription
Your shop runs on ServiceTitan, Jobber, or Housecall Pro and you want financing inside the invoice flow
Your tickets sit comfortably under $25K

Choose Hearth if…

You finance jobs every month — a flat fee beats 3.9% fast at volume
Your tickets run large (roofs, full HVAC systems, decks) where a single 3.9% fee is $500+
You want the surrounding close-rate tooling: quotes, contracts, invoicing, payments, an AI receptionist on missed calls
You'd rather quote a monthly payment without pricing a fee into every bid

FAQ

Hearth vs Wisetack FAQ

Does Hearth charge a dealer fee per loan?

No. Hearth is 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. Financing offers come from third-party lenders and the contractor pays no per-transaction fee.

How much does Wisetack cost contractors?

Wisetack charges contractors a 3.9% fee per financed transaction, with no monthly subscription. Promotional 0% APR options carry higher fees, roughly 4.9%–6.9% depending on term.

Which is cheaper, Hearth or Wisetack?

It depends on volume. Below roughly 3–10 financed jobs per year, Wisetack's pay-per-use is cheaper. Above that, Hearth's flat annual subscription usually costs less than cumulative 3.9% transaction fees.

Can I use both?

Nothing stops you — some contractors run Wisetack inside their field-service software for small tickets and Hearth for large-ticket bids. Compare your annual fee total against your financed volume before paying twice.

Which approves more customers?

Both use soft-pull prequalification. Hearth shows offers from an 18-lender marketplace serving credit scores down to 550 FICO with rates starting at 7.99% APR; Wisetack reports roughly 74% application approval. Individual results depend on the homeowner's credit.

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Hearth vs Wisetack:Which Contractor Financing Platform Is Right for You?