Hearth is here for home improvement pros

Our mission at Hearth has always been to help you grow and protect your business. That’s more true now than ever.

We're here to help you through COVID-19

Virtual survival kit

We hosted "The Contractor's Survival Kit to Coronavirus" webinar with roofing legend Steve Weyl. He discussed how to make it through this crisis while holding onto your business.

Access the webinar

SBA loan guidelines

You could qualify for the necessary funds to protect your business. We’ve put together guidelines to help you navigate the SBA loan programs.

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Safety response document

Showcase the precautions you're taking to win clients' trust and their business. We've crafted a safety guidelines document with your branding to show clients. And it's free.

Claim your doc

Real-time updates and resources on how
contractors are staying ahead of COVID-19

Content to get you through COVID

Virtual Payment Collections From Your Customer during COVID

May 4, 2020

Hearth Payments can help you maintain cash flow during COVID-19 by receiving payments more quickly and easily while avoiding unecessary face-to-face interaction

Keep reading

Contractor Sales Tips for COVID-19

April 9, 2020

COVID-19 is impacting every home improvement business across the U.S. For those still able to complete projects with the existing shelter-in-place orders...

Keep reading

COVID-19 Contractor Safety Tips and Tricks

April 2, 2020

Part of protecting your business during these times involves keeping your crew and employees safe. We have compiled some of the best-practice resources from...

Keep reading

Tips to keep you and your crew safe*

Unlike some jobs, where it's easy to work from home and keep business afloat, contractors need to be on job sites and bidding new business.

We know you can't move everything 100% online, but here are a few tips we recommend adhering to while continuing to support homeowners.

Go as virtual as possible.

  • Keep it to only necessary individuals on the job site.
  • Consistent with shelter-in-place orders, avoid unnecessary live meetings.
  • Don't let anyone on site without screening them for COVID symptoms.

Safety guidelines on the job.

  • Sanitize job sites at least once daily.
  • Stagger employee breaks.
  • Avoid the sharing of equipment and gear whenever possible; clean equipment whenever transitioning the operator.

Additional useful tips and tricks.

  • Split your crew into different groups, so that if someone gets sick, not everyone is compromised.
  • Develop exposure protocol.
  • Explore confidentiality and OHSA reporting to prepare if cases arise.

Want more safety tips?

Read the full blog post

*The Content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition or medical safety. Never disregard professional medical advice or delay in seeking it because of something you have read on this Website.

Navigating the SBA loan programs

There has been significant noise around what loan options are available for small businesses and and how to take advantage of them. We've compiled what you need to know in order to make the best decision for your business.

Payroll Protection Program (“PPP”)

The Payroll Protection Program is a new SBA program created under the Coronavirus Aid, Relief and Economic Security Act (“CARES Act”) that is designed to help small businesses with less than 500 employees maintain their payroll and business operations during the current economic crisis.

  • Max Loan Amount = 2.5x the Average Monthly Payroll, up to $10mm (payroll calculation requires any salary over $100k to be prorated).
  • Interest Rate for PPP is 1%, payment is deferred for the first six months.
  • Loan Term is 2 years.

Economic Injury Disaster Loan (“EIDL”)

The SBA Economic Injury Disaster Loan is an existing SBA loan program that is designed to provide economic relief to small businesses located in declared disaster zones that have suffered economic injuries related to the declared disaster.

  • Max Loan Amount is the amount of economic injury suffered by the business, up to $2mm.
  • Interest Rate for EIDL is 3.75%.
  • Loan Term varies on a case by case basis for up to 30 years.

Want to see the application processes, how to decide between the two, and more info?

Click here

Support from the community

Nobody has to get through the COVID-19 pandemic alone. During these times, we recommend coming together (virtually) as a contractor community. Look to see what is working well for others while sharing your own successes and struggles to help your business get through these times.
‍
We have been pooling together resources from a variety of different sources. This section will be continually updated as we come across more useful information.

Recommended resources:

#ContractorsAgainstCOVID

  • Show your efforts to help frontline medical workers fight coronavirus by donating extra masks you may have on hand
  • Post a pic on Facebook and tag us with the hashtag #contractorsagainstcovid
  • Have additional resources to share? Let us know!

General COVID-19 Information

For the most timely information and guidance on COVID-19, please monitor the World Health Organization and the Center for Disease Control websites.

*Our site contains hyperlinks to other third party websites. These links are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by Hearth of any of the products, services or opinions of the corporation or organization or individual. Hearth bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links. The third party’s privacy policy may differ from those practiced by Hearth.

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Hearth is a technology company, which is licensed as a broker as may be required by state law. Hearth does not accept applications for credit, does not make loans, and does not make credit decisions; this site does not constitute an offer or solicitation to lend. All insurance services are provided by Hearth Home Insurance Solutions, Inc. Hearth may be compensated by third-party advertisers. NMLS ID# 1628533 | NMLS Consumer Access.

All loan information is presented without warranty, and estimated APR and other terms are not binding. Hearth’s lending partners generally present a range of APRs (for instance, from 5% to 35.99%) with a range of terms and monthly payments. As an example, a $10,000 loan with an APR of 14.50% and a term of 36 months would have a monthly payment of $344.21. Actual APRs will depend on factors like credit score, loan amount, loan term, and credit history. Only borrowers with excellent credit will qualify for the lowest APRs. All loans are subject to credit review and approval.

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