Easy, affordable payment options for your customers


Serve more customers, win more deals

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Why pay 5-15% in dealer fees when you can keep 100% of your profits?


Join today, offer financing tomorrow. No minimum requirements to join

Get more information

Stop letting deals slip through your fingers

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Grow your Business with Hearth

members selling with Hearth
Return you can see on your Hearth investment  after 1 funded loan
Processed loan volume through Hearth
Get Started Today

“When we were looking for someone to help us finance people, a lot of people closed their doors...Hearth gave us an opportunity.”


Blue Heron Construction

Not every customer has the cash up-front.

households finance their entire improvement project

With Hearth, you get paid now and your customer pays over time.

It’s a win-win, every time.

*$247.46 monthly payment is based on a loan principle of $12,500 over 60 months at an APR of 6.99%. Only borrowers with excellent credit will qualify for the lowest APRs.

It's as easy as



Customers complete a short online financing request and can get immediately pre-qualified by up to 17 lending partners without affecting their credit score.


Pick payment plan

Contractors find customized payment plans for each customer. They can offer financing before an on-site visit, in the home, or as a follow-up.


Get funded

Customers apply for their preferred loan option and if approved, receive funding in as few as 24 hours.

Get Started Today


If offering Hearth helps you close just one extra deal each year, it more than pays for itself.
For emerging contractors
  • Hearth financing - Direct lending marketplace with unlimited loans
  • Hearth Pay* - Invoice & collect payments remotely**
  • One brand & one location
  • Mobile app
  • Company-branded payment options page
  • Downloadable marketing flyers
  • Customer service support (M-F)
Our most popular plan
  • Includes everything from Essentials
  • Digital quotes and contracts
  • Loan payments calculator
  • Financing status tracking
  • Automated payment reminders and payment tracking with Hearth Pay
  • QuickBooks integration with Hearth Pay
  • 5 employee accounts
  • Promotional web banners for your website
  • Learning center
  • Dedicated Account Specialist

Add 0% APR credit card options available at $199/year

Starting at:
For those that need a little more
  • Includes everything from Essentials + Pro
  • Multiple brands & multiple locations
  • 20 employee accounts (more available for purchase)

Add 0% APR credit card options available at $199/year

Plus a one-time $99 set up fee for all plans.
Get Started Today

"She called me the next day, was almost in tears of joys saying she was getting denied left and right by people. I’m so impressed that Hearth got me approved.’”

Brandon Ross
Sales Team @ Aireserv of Lewiston

“Evaluate the size of the business, what are you doing now? And what do you want to get to?  You have to add tools like this to add more customers.  It closes the gap”

Tyler Olson
Owner @ Black Wolf Construction LLC

“It’s super easy, I don’t have to worry about fees coming out of my checking account all month long, and from the customer’s perspective, they can search and select the right option without us having to be involved.”

Leah Nieman
Air Ace Heating & Cooling

Ready to give customers more ways to pay?

Get Started Today

* All loan information is presented without warranty, and estimated Annual Percentage Rate (APR) and other terms are not binding. Hearth’s lending partners generally present a range of APRs (for instance, from 5% to 35.99%) with a range of terms and monthly payments. As an example, a $12,500 loan with an APR of 6.99% and a term of 60 months would have a monthly payment of $247.46. Actual APRs will depend on factors like credit score, loan amount, loan term, and credit history. Only borrowers with excellent credit will qualify for the lowest APRs. All loans are subject to credit review and approval.
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.
NMLS ID# 1628533 |NMLS Consumer Access.