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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 5.6 Good See breakdown →

Highlights

17 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
5.0
Support
5.0
Value
7.0
Integrations
6.0
AI Capabilities
2.5

Customer Reviews

Features

17 features confirmed across 6categories· Showing confirmed capabilities only

Invoicing & Payments7features

Payment Processingupfront payment to contractors upon customer approvalConsumer Financingcomparison of loan offers from multiple lendersMultiple Lender IntegrationPre-Qualification Without Credit Score ImpactDirect Bank Transfer FundingMulti-Lender Offer ComparisonProposal Creation With Integrated Financing Options

CRM & Sales4features

Contractor ProfilesMarketing and Advertising Materials AccessAI Lead ScreeningSoft credit check prequalificationMarketing ToolsIntegrated marketing and advertising resources

Reporting & Analytics2features

ReportingCustomizable financing link generationAnalyticsLoan offer comparison

Platform & Customization2features

Onboarding SupportPricing API

Customer Communication1feature

Client PortalContractor portal for tracking application statuses

Technician Management1feature

Training Coursesspecialized training and monthly data analytics for staff

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.”