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Acorn Finance

by Acorn Finance (Headway Sales Inc.)

Last updated Mar 29, 2026 · 1 revision

Free multi-lender financing marketplace for contractors — 18 lenders, FICO 550+, loans up to $250K, zero dealer fees.

Acorn Finance - by Acorn Finance (Headway Sales Inc.) - Financing Platforms software - logo 5.9 Good See breakdown →

Highlights

22 Features1 Integration

Capabilities

Free Free Tier
Buy from Acorn Finance (Headway Sales Inc.) Visit website

Media

About This Product

Acorn Finance is a multi-lender financing marketplace that lets HVAC contractors offer competitive loan options to homeowners at no cost. Homeowners prequalify in under a minute with no credit impact, compare offers from 18 lender partners, and get loans up to $250,000 with APRs starting at 6.99%. Integrates with FieldPulse and JobTread.

Capabilities

How this product is delivered and what's included out of the box.

Mobile app
Not available
Free trial
No
Free tier
Yes
Public API
Yes
Deployment
Cloud

FSH Score Breakdown

Ease of Use
6.5
Features
5.5
Support
5.0
Value
7.0
Integrations
7.5
AI Capabilities
1.5

Customer Reviews

Features

22 features confirmed across 8categories· Showing confirmed capabilities only

Invoicing & Payments8features

Payment Processingupfront payment to contractors upon customer approvalConsumer Financingcomparison of loan offers from multiple lendersFinancing CalculatorPayment calculatorPre-Qualification Without Credit Score ImpactPre-qualification without credit score impactMulti-Lender Offer ComparisonMulti-lender loan comparison for customersDirect Bank Transfer FundingProposal Creation With Integrated Financing OptionsMultiple Lender IntegrationMultiple lender marketplace

CRM & Sales5features

Marketing ToolsMarketing toolsContractor ProfilesMarketing and Advertising Materials AccessAuto Generated QR Codes for Pre-Qualification FormsInstant loan pre-qualificationAI Lead ScreeningSoft credit check prequalification

Platform & Customization3features

UI EmbeddingWebsite widget integrationPricing APIQuick code integration for eCommerce sitesOnboarding SupportWhite-glove onboarding and sales support

Reporting & Analytics2features

AnalyticsAnalyticsReportingAnalytics portal

Fleet & GPS Management1feature

Live Delivery TrackingCustomer purchase tracking

Customer Communication1feature

Client PortalContractor Portal

Technician Management1feature

Training Coursesspecialized training and monthly data analytics for staff

Compliance & Safety1feature

Permit ManagementCustomer application status tracking

Integrations 1 across 1 category

Field Service 1
FieldPulse

FieldPulse

Pricing

Model
Free
Starting at
Contact for pricing
Notes
100% free for contractors — no setup costs, no monthly fees, no obligations. Revenue comes from lender partnerships. Contractors get a personalized financing link to share with customers. Customers can finance $2K-$100K with terms up to 12 years and APRs as low as 3.99%. Soft credit pull only. 30+ lending partners. Origination fee of 1-6% may apply on loans under $40K (paid by borrower, not contractor).

Related Products 1 across 1 category

Alternatives & Competitors

Hearth Evidence-backed Good
Hearth Partial match
Why these are related — sources 1
  • cbinsights.com

    “Acorn Finance connects contractors with lenders to facilitate personal loans for home renovation projects, vs Hearth which offers a suite of digital tools for contractor financing, sales process optimization, and client management. Acorn Finance is a Leader in Home improvement financing.”