The best financing for your home improvement customers

Win more jobs by offering easy, affordable payment options.

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How it works in 3 quick steps

  • 1

    Offer financing

    Email or text a financing link to your customers, or attach to Hearth Quotes, Contracts, and Invoices.
  • 2

    Pre-qualify

    Customers complete a short online financing form to immediately see their estimated payment options without affecting their credit scores.
  • 3

    Get funded

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

What are the benefits of offering financing to customers?

Using Hearth to offer financing to your customers can help you win more jobs and avoid sticker shock. With Hearth, you can offer your customers affordable monthly payment options for their home improvement projects. Instead of paying a large sum for their project, they can break down their costs into smaller payments. And, with Hearth’s lending partners, there are no prepayment penalties.

With Hearth, you can also give your customers a clear idea of their buying power. If your customer pre-qualifies, they can see their options for the amount they request, but they’re also shown the highest amount they qualify for. This opens the door to project upgrades so you can make the most of every job. 

No costly per-project dealer fees

While traditional financing companies have dealer fees from 3-20% per financed project, contractors are never charged a dealer fee by Hearth. Hearth’s annual fee gives you access to unlimited use of our financing tools for an entire year.

Soft credit checks

Through your co-branded Hearth pre-qualification form, your customers can see their pre-qualified monthly payment options for their projects without a hard pull on their credit.

FICO scores as low as 550

Gain access to a network of 18 lenders with one pre-qualification form for FICO scores as low as 550 and loan amounts as high as $250,000.

Send digital invoices and collect digital payments with Hearth

Eliminate wasted time tracking overdue payments with Hearth’s easy to use digital payment system. Include a financing link in your invoices to show your customers their monthly payment options.

Embed monthly payments in your sales process

It can be hard to have the money conversation with a customer during a sale. That’s why Hearth has made it simple to embed financing options in every quote, contract, and invoice you send so that your customers always know they have payment options. 

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

Close more deals with affordable financing and get to work faster

Contractor and homeowner talking in a doorway

“Hearth has been a game-changer for me and the company. We send the financing link to our customers. We follow up, and they get funded in 24 to 48 hours. You can’t ask for more than that.”

-Semper Fidelis Construction

Financing by the numbers

home improvement contractor looking at hearth app on a tablet
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    Loans from $1,000 to $250,000
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    Terms from 2 to 12 years
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    FICO scores as low as 550
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    Rates as low as 4.99% APR
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    0 per-loan fees

Why general contractors and other professionals love our payment options

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Offer financing any time from the Hearth mobile app.
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Your customers can pre-qualify for offers in minutes.
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Get notified when your customers get funded.
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Financing can help your team close 17% more jobs.
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Monitor sales reps’ progress across your business.
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Our experts help you optimize your sales process.

What our customers say

"Hearth was really a no-brainer to us, and we feel it’s a no-brainer to everyone else in the industry as well."
-Montgomery R., General Contracting

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Hearth Financing FAQs

How should I talk to my customers about financing?
Does Hearth have any additional fees for customers?
Do my customers need good credit to qualify for financing?
Why should I offer financing to my customers?
What is customer financing?

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