Shares data with third parties
"To third parties, to permit them to send you marketing communications, consistent with your choices"
Confidence: high
Source
Hearth
by Hearth
Last updated Mar 29, 2026 · 1 revision
Zero dealer fee consumer financing and digital payment tools
Highlights
Capabilities
Trust
Media
gethearth.com
About This Product
A fintech platform allowing contractors to offer financing with zero dealer fees. Features soft credit checks approving FICO scores down to 550, seamlessly integrated with digital invoicing and payment collection.
Capabilities
How this product is delivered and what's included out of the box.
- Mobile app
- Available
- Free trial
- No
- Free tier
- No
- Public API
- No
- Deployment
- Cloud
Trust & Privacy
Each statement below was extracted directly from the vendor's privacy policy or terms of service. Click "source" to read it in context.
Data deletion honored on request
"If you would like to request to access, correct, or delete Personal Information we have collected from or about you, you may contact us in accordance with the “Contact Us” section below."
Confidence: high
Source
Primary policy document: https://hearthdisplay.com/pages/privacy-policy?srsltid=AfmBOoruQT0Ksn0JPBXsDLCZrC09mUe410IGfnsK8qoWgGg2cDnor8So
FSH Score Breakdown
Ease of Use 6.0
Features 8.0
Support 5.0
Value 5.0
Integrations 7.0
AI Capabilities 1.5
Customer Reviews
Features
81 features confirmed across
16categories· Showing confirmed capabilities only
Invoicing & Payments14features
Automated Past Due Payment RemindersAutomatic payment remindersAutomatic Invoice Creation from Quotes, Bookings, and Completed JobsAutomatic PDF AttachmentsFinancing CalculatorNew Financing CalculatorInvoice Status TrackingInvoice status trackingOnline CheckoutUpgraded Customer Checkout ExperienceProposal Creation With Integrated Financing OptionsEmbedded financing optionsInvoice TrackingPre-Qualification Without Credit Score Impact
Show 6 more
Customizable Invoice Line ItemsCustomizable digital invoicesInvoice Scheduling Based on Contract Signature or Quote ApprovalScheduled invoice sending upon quote approval, contract signature, or loan fundingLow Monthly Payment Display on EstimatesMonthly payment options in quotesSurcharge Visibility in Payment ReportsSurcharge visibility in payment reportsMultiple Lender IntegrationNetwork of up to 17 lendersNo Prepayment Penalties
CRM & Sales14features
CRMClient ManagementAutomated Customer Touchpoints And SequencesAutomated customer notifications with customizable message and timingCentralized Customer InformationCentralized customer information storageMarketing ToolkitWebsite bannersMaintenance Agreement ManagerCo-Branded Printable Marketing MaterialsCo-branded flyers and brochuresReferral Reward ManagementReferral Rewards ProgramAutomated Customer TouchpointsAutomatic customer reminders via text and email
Show 6 more
Automated Social Media PostingSocial media posting tool for sharing financing links on FacebookAutomated Review RequestsAutomated review requestsContract TrackingContract trackingBrand Consistency ManagementWebsite bannersAuto Generated QR Codes for Pre-Qualification FormsAuto-generated QR codes for pre-qualification formsMarketing and Advertising Materials AccessPromotional web banners for your website
Platform & Customization12features
Approval ManagementMobile document approvalCustom TemplatesCustomizable templatesData ImportCSV client importDocument ManagementDownloadable marketing flyersHelp CenterLearn CenterThird-Party IntegrationDepartments And PermissionsPermission controls including subcontractor accessChange Log for New Features and Bug Fixes
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Multi-LocationAvailable in the highest tier planScheduling And Dispatch IntegrationScheduling & DispatchingRole-Based Access ControlSubcontractor access permissionsCross-Platform SupportBetter Cross-Device Compatibility
Customer Communication9features
Customer SupportCustomer service supportIn-App, Email, and SMS AlertsSend invoices via email or text messageNotificationsAutomatic reminders and alertsAutomated Status UpdatesCustomer and Subcontractor PortalsAI ConciergeSuggested actions and next stepsCall Search and FilteringAI call search and filteringCentralized Multi-Channel CommunicationMulti-channel delivery
Show 1 more
Call RecordingCall logs and recordings
Reporting & Analytics7features
AnalyticsReporting & AnalyticsReportingClient activity tracking and reportingConsumer Financing Metrics ReportingFinancing progress trackingGoal TrackingProgress trackingProposal Status TrackingNew Quote List ViewCall TrackingAI call stats trackingAI Powered Call Tracking and Analytics
Scheduling & Dispatch5features
SchedulingScheduling & DispatchingWork OrdersWork Order ManagementAssignment ManagementEmployee assignment and management per jobEmail & Calendar SyncIntegration with Google and Outlook calendarsShared Calendar Viewable on Any DeviceOne calendar viewable by anyone on any device
AI & Automation5features
AI Powered Prompts and RemindersAutomatic customer reminders via text and emailAI Driven Workflows with TemplatesAI SupportPriority Support add-onAI TranscriptionCall transcriptsAI Automation SummarySuggested actions
Mobile & Field Tools4features
Customizable Forms and ContractsFinancing formsLabel GenerationLead generationTechnician Mobile AppMobile AppDigital FormsAuto-generated QR codes
Estimating & Quoting2features
Professional Quotes in MinutesMobile EstimatesMobile quote generation
Technician Management2features
Commission TrackingFinancing progress trackingTraining CoursesLearn Center
Equipment & Asset Management2features
Equipment SelectionSmarter Client SelectionRemote MonitoringFinancing status tracking
Fleet & GPS Management1feature
GPS TrackingGPS Tracking
Inventory Management1feature
Inventory ManagementInventory Management
Accounting Integration1feature
Accounting Integration
Compliance & Safety1feature
Manual J CalculationsLoan payments calculator
Training & Education1feature
Business Management & OperationsEstimate tracking
Integrations 3 across 3 categories
Accounting 1
QuickBooks Online
QuickBooks Online
Marketing 1
Birdeye
Productivity 1
Google Calendar
Google Calendar
Pricing
- Model
- Subscription
- Starting at
- $124/mo
- Notes
- Three annual plans: Essentials $1,499/yr (financing tools, no quotes/contracts/banking/reminders), Pro $1,799/yr (full features including financing status tracking and 0% intro APR cards — most popular), Elite $4,999/yr (large operations/teams). One-time $99 setup fee. Additional locations $999/yr each (after first 2). Zero dealer fees on financed projects. Financing: 17 lenders, $1K-$250K loans, 2-12 year terms, FICO 550+, rates from 4.9% APR.
Related Products 3 across 1 category
Alternatives & Competitors
Regions Home Improvement Financing
Evidence-backed
Good
Regions Bank (formerly EnerBank USA) Good match
Why these are related — sources 2
- worksmartdigest.com
“Hearth offers quick setup, broad credit coverage, no per-job fees; EnerBank's limitations are slower setup, less digital integration, stricter credit requirements. Hearth embeds financing in quotes/invoices/proposals while EnerBank operates as a direct lender.”
- build-folio.com
“If a customer doesn’t qualify on EnerBank, try Wisetack or Hearth.”
Wisetack
Evidence-backed
Good
Wisetack Partial match
Why these are related — sources 1
- build-folio.com
“Wisetack is better for contractors who want no subscription fees and same-day setup. Hearth is better for those who want a full software suite. Wisetack charges dealer fees (0-9%) while Hearth charges subscription fees.”
Acorn Finance
Evidence-backed
Good
Acorn Finance (Headway Sales Inc.) 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.”