Hearth members choose to offer financing for many reasons:

• To be able to serve more customers. Many homeowners need your services but don’t have the cash on hand to pay upfront. By offering financing, you can win more deals.
• To do larger jobs. When homeowners invest in their home, they may be tempted to upgrade their project beyond what they’ve budgeted for. Financing gives them that option.
• To look more professional. Even homeowners who don’t want financing will tend to prefer contractors who offer it. That’s because contractors who offer financing tend to be more experienced and successful. Offering financing builds credibility and trust.

The same as with a cash-in-hand homeowner. Once the homeowner has their loan, they pay you upfront.

No, Hearth is a tool that helps contractors offer financing and grow their business.

Through Hearth, you can email/text homeowners a branded loan application that will pre-qualify them with 17+ lenders in 60 seconds.

Your homeowners can expect to receive offers with rates like these:

The exact APR may be higher or lower depending on each lender’s unique model and the homeowner’s financial situation.

A personal loan is a general-purpose loan that’s paid back monthly over a set period of time.

Hearth helps your homeowners find personal loans so you get paid upfront and the homeowner pays over time.

Personal loans don’t require home equity, and they can be used on any kind of home improvement job.

Hearth is for you!

Many Hearth members do mostly insurance jobs. They offer financing because:

1. It makes them look more professional and experienced.
2. They up-sell more work not covered by insurance. Financing helps them sell.
3. Some of their homeowners want to get financing to pay the insurance deductible.

For you – nothing.

That’s between the homeowner and the lender. The homeowner pays you up-front, and everything is business as usual for you.

You aren’t responsbile for the homeowner’s re-payment of the loan.

Imagine: Your AC dies in the middle of summer. It’s $10k to replace it. Like 69% of Americans, you don’t have even $1,000 sitting around. What do you do? You get a loan.

Some people need a loan to cover unexpected expenses, others want to invest in their home or have more work done than they budgeted for.

Ultimately, everyone’s situation is different and personal to them. But offering financing gives homeowners options and makes you look professional.