Our plans
Invest in your business with Hearth
Essentials
$999
/year
For solo contractors who want to offer financing and collect digital payments. This plan does not include digital quotes, contracts, or marketing tools.
- Direct-lending financing marketplace with unlimited loans
- Digital invoicing & payment collection
- Mobile app
- Company-branded payment options page
- Downloadable marketing flyers
- Customer service support
- Learn Center
See all features
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Recommended plan
Pro
$1299
/year
Includes Essentials
For businesses that want to capitalize on all of Hearth’s digital tools—financing, quotes, contracts, invoices, payments, and marketing. Comes with five accounts for your employees.
- Digital quotes & contracts
- Loan payments calculator
- Financing status tracking
- Automated payment reminders and payment tracking with Hearth Pay
- QuickBooks integration with Hearth Pay
- 5 employee accounts
- Promotional web banners for your website
- Learn Center
- Dedicated Account Specialist
- Add 0% intro APR credit card options available at $199/year
See all features
Elite
Starting $1799
/year
Includes Essentials + PRO PLANs
Includes all of Hearth’s digital tools plus 20 accounts for your employees to use Hearth to win more jobs and get paid faster.
- Multiple brands & multiple locations
- 20 employee accounts (more available for purchase)
- Add 0% intro APR credit card options available at $199/year
See all features
Features by plan
Find the subscription that makes the most sense for you or your team
Essentials
$999
/year
For solo contractors who want to offer financing and collect digital payments. This plan does not include digital quotes, contracts, or marketing tools.
Pro
$1299
/year
Recommended plan
For businesses that want to capitalize on all of Hearth’s digital tools—financing, quotes, contracts, invoices, payments, and marketing. Comes with five accounts for your employees.
Elite
from $1799
/year
Includes all of Hearth’s digital tools plus 20 accounts for your employees to use Hearth to win more jobs and get paid faster.
Direct-lending financing marketplace with unlimited loans
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Digital invoicing & payment collection
Digital quotes & contracts
Dedicated onboarding specialist
Add 0% intro APR credit card options available at $199/year
Loan payments calculator
Mobile app
Company-branded payment options page
Downloadable marketing flyers
Learn Center
Customer service support
Financing status tracking
Automated payment reminders and payment tracking
QuickBooks integration
5 employee accounts
Promotional web banners for your website
Multiple brands & multiple locations
20 employee accounts (more available for purchase)
See all features
Back to main features
Plus a one-time $99 set up fee for all plans.
Plus a one-time $99 set up fee for all plans.
Hearth vs. other home improvement financing tools
Finding the right financing tool for your business doesn't have to be a hassle. This chart shows you the key differences between Hearth and other options.
- Hearth
- Dealer feesNo
- Soft pull on customer creditYes
- FICO minimums550
- Loan limit$250,000
- Years in business requirementNo
- BBB Customer Reviews
- Additional featuresNo
- Dealer fees
- HearthNo
- SynchronyYes
- GreenSky*Yes
- Service FinanceYes
- JoistNo
- EnerbankYes
- EnhancifyNo
- PayzerNo
- Soft pull on customer credit
- HearthYes
- SynchronyYes
- GreenSky*No
- Service FinanceYes
- JoistYes
- EnerbankNo
- EnhancifyYes
- PayzerNo
- FICO minimums
- Hearth550
- Synchrony680
- GreenSky*600
- Service Finance600-680
- Joist500
- Enerbank680
- Enhancify550
- Payzer680
- Loan limit
- Hearth$250,000
- Synchrony$35,000
- GreenSky*$65,000
- Service Finance$55,000
- Joist$100,000
- Enerbank$75,000
- Enhancify$250,000
- Payzer$100,000
- Years in business requirement
- HearthNone
- Synchrony2
- GreenSky*2
- Service Finance2
- JoistNone
- Enerbank3
- EnhancifyNone
- PayzerNone
- BBB Customer Reviews
- Hearth
- Synchrony
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- GreenSky*
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- Service Finance
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- Joist
- Enerbank
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- EnhancifyNo reviews
- PayzerNo reviews
- Additional features
- HearthDigital contracts, quotes, and payments
- SynchronyNone
- GreenSky*None
- Service FinanceNone
- JoistEstimates, Invoices, Payments
- EnerbankNone
- EnhancifyNone
- PayzerProposals, scheduling, dispatch, customer messaging, supplier integration, and invoices
Dealer fees
Soft pull on customer credit
FICO minimums
Loan limit
Years in business requirement
BBB Customer Reviews
Additional features
Hearth
No
Yes
550
$250,000
None
Digital contracts, quotes, and payments
Synchrony
Yes
Yes
680
$35,000
2
None
GreenSky*
Yes
No
600
$65,000
2
None
Service Finance
Yes
No
600-680
$55,000
2
None
Joist
No
Yes
500
$100,000
None
Estimates, Invoices, Payments
Enerbank
Yes
No
680
$75,000
3
None
Enhancify
No
Yes
550
$250,000
None
No reviews
None
Payzer
No
No
680
$100,000
None
No reviews
Proposals, scheduling, dispatch, customer messaging, supplier integration, and invoices
*Current government action alert from BBB.org
Data based on research conducted in March 2022.
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