Our plans
Invest in your business with Hearth
Essentials
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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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
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Elite
Starting $1799
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
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Features by plan
Find the subscription that makes the most sense for you or your team
Essentials
For solo contractors who want to offer financing and collect digital payments. This plan does not include digital quotes, contracts, or marketing tools.
Pro
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
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
Digital invoicing & payment collection
Digital quotes & contracts
Dedicated onboarding specialist
Add 0% intro APR credit card options available at $199/year
Company-branded payment options page
Downloadable marketing flyers
Financing status tracking
Automated payment reminders and payment tracking
Promotional web banners for your website
Multiple brands & multiple locations
20 employee accounts (more available for purchase)
See all features
Back to main features
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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.
Dealer fees
Hearth
No
Synchrony
Yes
GreenSky*
Yes
Service Finance
Yes
Joist
No
Enerbank
Yes
Enhancify
No
Payzer
No
FICO minimums
Hearth
550
Synchrony
680
GreenSky*
600
Service Finance
600-680
Joist
500
Enerbank
680
Enhancify
550
Payzer
680
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
BBB Customer Reviews
Hearth

Synchrony
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GreenSky*
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Service Finance
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Joist
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Enerbank
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Enhancify
No reviews
Payzer
No reviews
Additional features
Hearth
Digital contracts, quotes, and payments
Synchrony
None
GreenSky*
None
Service Finance
None
Joist
Estimates, Invoices, Payments
Enerbank
None
Enhancify
None
Payzer
Proposals, scheduling, dispatch, customer messaging, supplier integration, and invoices
Soft pull on customer credit
Years in business requirement
Digital contracts, quotes, and payments
Estimates, Invoices, Payments
Proposals, scheduling, dispatch, customer messaging, supplier integration, and invoices
*Current government action alert from
BBB.orgData based on research conducted in March 2022.