Financing options for Chicago Home Improvement Contractors

If you’re a home improvement contractor in Chicago, Illinois  offering financing options to your customers can be a smart decision.

You can provide your customers with access to a network of 18 lenders through Hearth financing, our lenders can offer loan options for FICO scores as low as 550 and APR rates as low as 4.99%.

Also, you’ll never have to pay dealer fees when closing deals with us, leaving you with more money in your pocket every time.

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Professionals selling with Hearth


Average annual ROI


Processed loan volume through Hearth

How Hearth Financing works


Email or text a financing link to your customers, or embed in Hearth Quotes, Contracts, and Invoices.

Customers Pre-Qualify

Your customers complete a short online financing form to immediately see their estimated monthly payment options, without affecting their credit scores.

For homeowners who qualify, there are 0% introductory APR credit card options available. Terms range from 6–18 months.

Project gets funded

Customers apply for their preferred payment option and, if approved, receive funds in as little as 24 hours.

financing - Best Contractor Estimating & Invoicing Software - Hearth
kip from risen foundation solutions

Offer an affordable payment plan for clients who don’t have the cash up front

Close more deals in Illinois with affordable financing solutions.

“We may not be an expert in financing, but we are experts in foundation repair. Who is a good partner for us? That’s where Hearth came in.”

“It’s easy to use for the employees and helps them close jobs more successfully and isn’t a barrier for clients to work with your company. “

-Risen Foundation Solutions Construction

Why Chicago Home Improvement Pros Love Our Payment Plan Options

Offer financing is not just about having your customer pay in installments, by offering financing you can avoid sticker shock and help your customers see their true buying potential .

No costly per-project dealer fees.

No minimum years in business.

FICO scores as low as 550. Rates as low as 4.99% APR.

Financing can help your team close 17% more jobs.

Loans from $1K to $250K. Terms from 2 to 12 years.

Track your customers' financing progress.

Suite of tools to help you close more deals

In addition to financing, Home Improvement contractors who signed up to Hearth have access to a suite of sales, and marketing tools that include digital invoices, quotes, and contracts that help you speed your sales process up and look more professional.



Send professional estimates from anywhere.


Secure your jobs with digital signatures.


Create digital invoices with reminders for customers.


Customer Financing

Offer customers monthly payments for their projects.

Digital Payments

Get paid faster via debit card, credit card, or ACH.

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Generate more leads with Hearth's marketing tools.

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Win more contractor jobs in Chicago today

Join a network of over 20,000 contractors currently using Hearth nationwide, by contacting us today. 

Get Started Today