How much does Hearth cost? Explore its subscription plans, included features, and pricing structure, and see how Hearth compares with other contractor financing options.
Updated October 2026 · Published by Contractor Financing Solutions
Hearth uses an annual software subscription instead of charging contractors a dealer fee on each financed job. Under this model, Hearth charges an annual subscription that unlocks access to consumer personal loans up to $250,000 with zero dealer fees taken from your ticket total. Whether that flat fee actually saves your business money comes down to simple math: your annual financed volume, your average ticket size, and whether you actually need their bundled digital quoting, invoicing, and contract tools.
The main trade-offs are the annual cost and how contractors get paid. You carry that fixed membership fee every month regardless of whether you close a financed deal. More importantly, Hearth lenders disburse funds straight to the homeowner rather than your business checking account, leaving your office to invoice, track milestones, and collect payments just like a standard cash transaction.
Below, we examine published subscription prices, payment processing fees, sample cost calculations, and alternatives with different pricing models.
Quick Take
Hearth may be cost-effective if you regularly finance larger remodeling projects, finance enough jobs to offset the subscription each year, and actively run jobs through its bundled estimating and invoicing software. Spreading a flat membership over high project totals drives your financing cost per sale down to a fraction of a percent.
Hearth may cost more if you only finance a handful of jobs each season, specialize in emergency service calls under $5,000, or already pay for job management tools like Jobber, Workiz, or ServiceTitan. Paying thousands in upfront annual membership on low volume can outweigh the savings on dealer fees.
Editorial Disclosure: Contractor Financing Solutions publishes this independent guide and operates one of the multi-lender networks evaluated below. Figures are drawn from the provider materials cited in this article and have not been independently verified. Merchant fees, credit cutoffs, and loan terms vary by trade, annual volume, and customer creditworthiness. Always verify current program documentation directly with each provider prior to enrollment.
Note: Hearth gates its primary tier pricing behind sales demo calls. The figures below reflect current published documentation across Hearth’s own knowledge base and comparison pages, including areas where older platform documentation lists conflicting ranges.
| Pricing Component | Published Details |
|---|---|
| Annual Subscription Cost | $1,499 to $4,999 annually on current financing pages; select comparison guides state most shops invest $2,000 to $6,000 per year based on selected software tier |
| One-Time Setup Fee | $99 one-time onboarding charge |
| Billing Cadence | Annual upfront billing only; renewals process automatically each year with no monthly installment payment options |
| Active Platform Tiers | Hearth Pro, Pro + Harper, and Enterprise (pricing quoted via demo call) |
| Per-Loan Dealer Discount Fees | $0 dealer fees per project funded through the platform |
| Hearth Pay Merchant Processing | 3% per card transaction, $5 flat fee per ACH transfer, plus 1.5% for optional instant payouts |
| Participating Lending Pool | 18+ consumer lending partners |
| Available Loan Amounts | $1,000 to $250,000 |
| Customer Repayment Windows | 2 to 12 years |
| Disbursement Destination | Homeowner personal checking account, typically within 1 to 3 business days |
| Contractor Business Prerequisites | Zero minimum revenue or business tenure thresholds |
Hearth operates as a software platform rather than a lender. In its technical documentation, Hearth clarifies that it is software that helps contractors offer personal loans originated by outside lending partners. You pay Hearth an ongoing technology subscription, while third-party consumer lenders handle credit underwriting and disburse funds directly to your customer. Because that subscription covers unlimited applications with zero per-loan dealer fees, your platform cost remains identical whether you close two loans or fifty.
The primary hurdle during evaluation is finding concrete pricing figures. Hearth’s main pricing page highlights three subscription tiers: Hearth Pro, Pro + Harper, and Enterprise, routing all traffic to a sales demo form. Current platform materials on Hearth’s financing page and its Wisetack comparison guide place base annual pricing between $1,499 and $4,999, plus the initial $99 setup fee. Legacy tier schedules listed Essentials at $1,499, Pro at $1,799, and Elite at $4,999 annually, while comparative collateral notes most contractors invest between $2,000 and $6,000 depending on add-on service levels.
Keep in mind that Hearth requires full annual payment upfront. Subscriptions renew automatically every twelve months and cannot be split into monthly installments. Because cancellation policies and mid-contract refund terms are private, always ensure you have full written contract cancellation rules before authorizing annual billing.
The baseline Hearth Pro tier unlocks the consumer lending marketplace, digital quotes with integrated monthly payment estimates, promotional introductory credit card offers, client relationship tracking, digital contracts, and Hearth Pay merchant processing. Stepping up to Pro + Harper integrates an automated AI phone assistant, text follow-ups, and live loan tracking. The top-tier Enterprise package adds marketing consultations, a dedicated account manager, training webinars, and customized crew onboarding.
Merchant transaction processing represents the main operational cost outside your base subscription. Hearth Pay comes built into the software, but processing transactions incurs standard merchant fees: 3% on credit card charges, a flat $5 on ACH transfers, and an optional 1.5% surcharge for instant account payouts. If your client receives an approved loan and pays you via credit card through Hearth Pay, that 3% processing fee comes directly out of your gross project margin unless your local regulations permit credit card surcharging.
Hearth eliminates per-loan dealer fees, protecting your project margin from the 4% to 10% cuts that traditional point-of-sale promotional lenders take from contractor payouts. Lenders on the platform price their operational costs into the interest rates and origination fees billed directly to the borrower.
The vital operational trade-off is fund routing. Hearth lenders disburse funds directly to the homeowner rather than directly into your business checking account. Once the loan clears, the homeowner receives the cash lump sum into their personal account, usually within one to three business days. From that point forward, the lender has fulfilled its role. Your business carries standard collection responsibilities: writing up draw schedules, securing customer deposits, invoicing progress milestones, and ensuring the homeowner releases payments as work moves forward.
Important: The calculations below compare contractor-facing charges only. A lower platform fee does not necessarily mean a lower total cost for the homeowner or an equivalent loan product.
The following examples compare a fixed Hearth subscription with a hypothetical 3.9% dealer fee. They exclude payment processing, lender-specific terms, and the value of bundled software. These are cost illustrations, not quotes or a prediction of savings.
| Financed Jobs Per Year | Hearth Pro ($1,499 tier) | Hearth Top ($4,999 tier) | 3.9% Per-Loan Fee Model | Zero-Cost Marketplace |
|---|---|---|---|---|
| 5 Jobs ($60,000 total) | $1,598 total (~$320 per job) | $5,098 total (~$1,020 per job) | $2,340 total ($468 per job) | $0 |
| 15 Jobs ($180,000 total) | $1,598 total (~$107 per job) | $5,098 total (~$340 per job) | $7,020 total ($468 per job) | $0 |
| 40 Jobs ($480,000 total) | $1,598 total (~$40 per job) | $5,098 total (~$127 per job) | $18,720 total ($468 per job) | $0 |
After the first year, the modeled $99 setup fee no longer applies. At five, 15, and 40 financed jobs, the $1,499 annual subscription works out to about $300, $100, and $37 per job. At $4,999 annually, it is about $1,000, $333, and $125 per job. Payment processing charges are not included.
Average job size also matters. At a $12,000 ticket, a 3.9% fee equals $468. The $1,499 annual subscription becomes cheaper than that fee model at four jobs, while the $4,999 subscription does so at 11 jobs. These thresholds compare fees only and do not account for different funding arrangements or loan terms.
| Average Project Ticket | 3.9% Dealer Fee Per Job | Jobs to Cover $1,499 Tier | Jobs to Cover $4,999 Tier |
|---|---|---|---|
| $5,000 Service Ticket | $195 | About 8 Jobs | About 26 Jobs |
| $8,000 Water Heater / AC | $312 | About 5 Jobs | About 16 Jobs |
| $12,000 HVAC Heat Pump | $468 | About 4 Jobs | About 11 Jobs |
| $25,000 Full Roof Replacement | $975 | About 2 Jobs | About 6 Jobs |
| $45,000 Major Home Remodel | $1,755 | Single Job Covers Cost | About 3 Jobs |
Every trade contracting company balances different ticket averages and cash flow cycles. Use this practical framework to evaluate whether a flat membership or pay-per-job model fits your business:
Volume Pays Off
Hearth is worth it if:
Pay-As-You-Go
Choose a per-loan model if:
Multi-Lender Network
Consider CFS if:
Compare lender options, funding arrangements, and program fees against your typical project size and payment schedule.
Contractor Financing Solutions is a financial technology platform and loan marketplace, not a direct lender. Financing is provided exclusively by participating third-party financial institutions. Loan approvals, interest rates, maximum loan limits, and terms depend upon borrower qualification and lender underwriting parameters.
Hearth’s published documentation lists an annual software subscription ranging from $1,499 to $4,999, plus an initial $99 setup fee. Certain platform guides state that most contractor businesses invest between $2,000 and $6,000 annually depending on add-on software features. Current tier pricing requires a sales demo call.
Yes. Hearth assesses a one-time $99 setup fee during merchant onboarding, which applies in the first year alongside the base annual subscription.
No. Hearth offers zero per-loan dealer discount fees. Your cost remains tied to your annual subscription regardless of the dollar volume or number of projects your customers finance.
No. Hearth structures billing as annual upfront only. Subscriptions renew automatically each year without options to divide payments into monthly installments.
No. Lenders on the Hearth platform disburse loan funds directly to the homeowner, typically within one to three business days of approval. The contractor collects project payments directly from the customer under their agreed contract milestones.
Hearth Pay is included with platform membership, charging processing rates of 3% per credit card transaction and a flat $5 per ACH transfer, plus 1.5% for optional instant fund payouts.
Against a typical 3.9% dealer fee on a $12,000 project, Hearth’s entry $1,499 tier breaks even around 4 financed jobs, while the $4,999 level breaks even at roughly 11 jobs. On larger $25,000 to $45,000 remodeling projects, the subscription becomes less expensive than the modeled fee in just 1 to 3 jobs. Against zero-fee marketplaces like Acorn Finance, Hearth never breaks even on cost alone.
It depends entirely on your project volume and ticket size. Wisetack charges transaction fees starting at 3.9% with zero subscription overhead, meaning slow months cost your business nothing. Hearth becomes more cost effective per project once your financed volume clears your break-even job count, though Wisetack pays the contractor directly while Hearth funds the customer.
Explore financing programs from 30+ participating lenders, including options that pay contractors directly. See which programs fit your projects, customers, and business.
Company and product names belong to their respective owners. Mentioning a third-party provider does not imply affiliation or endorsement. This article is an editorial comparison published by Contractor Financing Solutions.
Contractor Financing Solutions is not a lender and does not make credit decisions. Financing is offered by independent participating lenders. Loan approval, available amounts, APRs, repayment terms, and funding timelines vary by lender, borrower qualifications, and applicable state requirements. Checking available offers uses a soft credit check that will not impact credit scores; a hard inquiry may occur only if a borrower chooses an offer and submits a full application. Non-recourse arrangements are subject to the applicable lender and contractor agreements and do not eliminate obligations arising from fraud, refunds, cancellations, or contractual disputes.
Estimate potential returns from offering customer payment plans.
Additional Monthly Revenue
Revenue: $90,000 → $120,000
Disclaimer: Results are estimates for illustrative scenario planning only and do not guarantee future revenue, approval rates, or closing percentages. Actual revenue will vary based on customer creditworthiness, project scope, lender terms, and merchant processing fees.
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