4/5
Most homeowners pre-qualify*
4 out of 5 homeowners who check their options get monthly payments. That makes it easier to say yes to the remodel or addition, so fewer bids go cold.
For General Contractors
Close bigger jobs. Faster.
Turn a $12,000 project into affordable monthly payments. Win more bids, keep your margins.
- 8,901 General Contractor loans funded
- 16 lender partners, zero dealer fees
- FICO scores as low as 550 accepted
Get started · 2 minutes
See how it works
A Hearth specialist will call to walk you through it. No commitment.
You're in! A Hearth specialist will call you within 2 hours to get you set up.
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Trusted by 24K+ prosRated 4.7 on Trustpilot
$0
Dealer fees
24K+
Pros trust Hearth
4 of 5
Homeowners pre-qualify*
24 hrs
As little as, to fund once approved
The math
A $12,000 bid becomes a $255/mo yes.
Homeowners don’t flinch at $255. They flinch at $12,000.
Which one is easier to sell?
Drag to try your job
$12,000The total
or$255/mofor 60 months
Other lenders would charge you$1,200*
Hearth dealer fee$0
Example at 9.9% APR. Your customer’s rate, term, and payment will vary. Rates and terms are set by Hearth’s lender partners. *Estimated, based on information volunteered by pros who switched to Hearth.
Hearth charges zero dealer fees.
Other financing partners charge you an expensive per loan fee.
Hearth doesn’t charge you a dime more.
Financing is included with your Hearth membership at no additional per-job cost.
Three reasons
Why pros use Hearth.
$0
Zero dealer fees. Period.
Other financing partners charge an expensive per loan fee. Hearth doesn’t charge a dime more. Keep more of your margin on every job, from kitchen remodels to full home builds.
16
More choices. Fast answers.
16 lender partners. Personal loans and HELOCs. Options for FICO scores as low as 550. Homeowners pre-qualify in minutes, so they say yes without a long wait.
This is a no-brainer.
Alexis, Verified Hearth CustomerGeneral Contractor
You guys are a bargain in the long run if we do a lot of financing. You guys are minuscule compared to what I'd pay on dealer fees.
Jeremy R., Verified Hearth CustomerGeneral Contractor
Your customers don’t buy from you only because
“Your price is too high.”
Offer affordable monthly payments.
Start turning every NO into a YES.
Hearth partners with 16 lenders and charges zero dealer fees. You keep every dollar of your margin.
The process
Offer financing in 3 easy steps.
- 1
Offer financing
Send a financing link straight from your quote, contract, or invoice. No extra paperwork.
- 2
Customer pre-qualifies
They fill out a short form and instantly see monthly payment options. Zero impact to their credit score.
- 3
You get paid
Once approved, funds are disbursed in as little as 24 hours. You keep your full margin.
Ready to close more jobs?
Offer monthly payments your customers say yes to. Zero dealer fees, soft-pull credit checks, and funding in as little as 24 hours.
$0 dealer fees · Soft pull · 24K+ pros
Get started · 2 minutes
See how it works
A Hearth specialist will call to walk you through it. No commitment.
See how it worksOr call (512) 686-4141Questions
Quick answers.
What does it cost me to offer financing?
Nothing per project. Hearth doesn’t charge contractors dealer fees, no matter your customer’s credit score. Financing is included with your Hearth membership at no additional per-job cost.
Do my customers need good credit to qualify?
No. Hearth’s lending partners work with FICO scores as low as 550, and customers can check their options with a soft credit pull that doesn’t affect their score.
How fast do customers get funded once approved?
As little as 24 hours. Once a customer selects and is approved for a loan option, funds are typically disbursed within a day, so the job can move forward without delay.
What loan amounts and terms are available?
Loan amounts range from $1,000 to $250,000, with terms from 2 to 12 years depending on the lender and loan type. Qualified homeowners can also access 0% introductory APR credit card options with terms of 6 to 18 months.
What happens if a customer isn’t approved for financing?
If a customer doesn’t qualify with one lender, Hearth automatically checks them against our full network of lending partners, so they still have a shot at multiple offers. Offering financing never obligates the customer, or you, to move forward: if nothing comes through, you can always fall back to a standard payment arrangement.