VOL. I · BUILT RIGHT.
·
— GENERAL CONTRACTOR —
A · DOLLAR CONVERSION
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Free to start. · Live in 5 minutes.
The Math
A $12,600 bid becomes a $253/mo yes.
Homeowners don’t flinch at $253. They flinch at $12,600. Hearth lets you quote both — right from the truck, right inside your bid.
Median Job
As Low As
Approval
4 of 5
Dealer Fees
$0
Three Reasons
Why Pros
Use Hearth.
SIDE BY SIDE · NO SPIN
Hearth vs Wisetack, side by side
HEARTH
WISETACK
What you pay
Flat annual subscription
3.9% of every financed transaction (more on promo APRs)
Fees on 20 × $12,000 jobs/yr
$0
$9,360/yr
Loan requests up to
$250,000
$25,000 (some accounts to $65K)
How offers work
18 lenders compete, soft credit pull
Up to 6 offers via lending partners, soft pull
Terms
2–12 years
3–120 months, 0%–35.9% APR
Where it lives
Standalone + your sales flow (quotes, contracts, invoices, payments, AI receptionist)
Embedded in ServiceTitan / Jobber / Housecall Pro
Best for
Regular financing, large tickets
Occasional small-ticket financing in an FSM
Wisetack figures from public merchant materials (accessed July 2026). All lending via third-party lenders; rates and terms vary by lender and customer credit. Payment examples illustrative.
Real Talk
Losing the yes?
Your price is too high.
HEARTH CLOSES IT
The Process
Four steps.
No friction.
01
Sign up.
Two minutes. You’re approved to offer financing the same day.
02
Send the quote.
From the truck, the office, or the jobsite. Hearth shows the dollar total AND the monthly payment on every bid.
03
Customer picks a plan.
18 lender partners compete for the deal. 4 out of 5 get approved. FICO as low as 550. No dealer fees, ever.
04
Get paid fast.
Funds drop into your account as soon as the job ships. You keep 100% of the margin. No surprise deductions.