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| Feature |  | Joist |
|---|---|---|
| Soft Credit Pull | Yes | Yes |
| Credit Limit | $250,000 | $100,000 |
| Lending partners | 17 | 3 |
Based on research conducted January 2023
Are you looking for a way to streamline your business?
When contractors sign on to Hearth, they have access to digital invoices, contracts, quotes, and premier financing options.
While our competitor Joist has a basic financing integration, contractors that use Hearth gain access to a network of 17 personal loan lenders.
Hearth helps you connect customers with lenders who can fund their project up to $250,000 with zero dealer fees for FICO scores up to 550.
Only a one-time, yearly subscription payment is all you need to gain access to a full suite of tools to speed up your sales process and win more jobs, which includes digital payments.
While our competitor charges 3.49% + $0.49 every transaction, contractors with Hearth only pay 3% for credit card and debit card transactions or $5 for an ACH (eCheck) transaction.
With our robust customer relationship management system (CRM), contractors can track every stage of their customer’s journey. See when the invoice was received, and when it was paid.
This helps you save time driving around town chasing checks and signatures.
With Pro and Elite subscription plans, contractors can access company-branded quotes, contracts, and invoices options as part of Hearth marketing tools to easily mesh with their existing website themes and colors.
From the Apple or Google Play Store you can quickly download our mobile app.
Whether you are in your office or at a customer’s house, you can create and send quotes, prequalify customers for financing, and or create invoices from your phone.
Pros
Average return on investment
Jobs funded
Average job size increase
Close rate improvement
Based on research conducted September 2022
-William Barnes, Old Oak Renovations
Find the right plan for you with the features you need
For solo contractors who want to offer financing and collect digital payments. This plan does not include digital quotes, contracts, marketing tools, or lead capture.
For experienced owners who want the best tools to grow their business, serve their community, and leave a legacy. Includes access for three locations, 10 user profiles, additional options available.
Plus a one-time $99 set up fee for all plans.
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. Annual Percentage Rates (APR), Introductory Rates (Intro), terms, interest rates, amounts, and fee(s) are provided by Hearth’s lending partners. NMLS ID# 1628533 | NMLS Consumer Access.
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