Financing
Best Contractor Financing for Big-Ticket Jobs (2026)
On a $9,000 repair, "that's about $180/month" closes jobs that a lump sum loses. We compare the consumer-financing options contractors actually use to offer monthly payments — organized by how they work, what they cost you, and the honest trade-offs (including the deferred-interest fine print).
The headline filter: financing model
Embedded point-of-sale financing (Wisetack, GreenSky) lets you offer payments inside your own checkout — you pay a merchant or dealer fee, the customer applies in seconds. Lender marketplaces (Hearth, Acorn Finance) send customers a link to compare prequalified offers from many lenders, and you typically get paid upfront. The right pick depends on job size, how much fee you'll absorb, and whether you want financing embedded in your FSM or a free comparison link. For any model, be straight with customers about deferred-interest terms — not just the headline "0%."
Offer monthly payments inside your own checkout or invoice. The contractor pays a merchant or dealer fee; the customer applies in seconds with a soft credit check. Best for closing big-ticket jobs at the moment of decision.
Wisetack
Embedded consumer financing built for home-service businesses
Cost to you: 3.9% merchant fee per transaction; higher only on extended 0% APR add-ons
Loan size: Typically up to ~$25,000
- Model
- embedded pos
- Founded
- 2018
- Customer APR
- 0%–35.9% APR
Best for: HVAC, plumbing, electrical, and roofing contractors who want frictionless point-of-sale financing wired into the FSM they already use, to close more big-ticket service jobs
GreenSky
Large-scale home-improvement point-of-sale financing (up to $100K)
⚠ Reputation / consumer-cost warning
GreenSky's deferred-interest promotions can charge customers retroactive interest if the balance isn't paid off within the promo window, and contractor dealer fees run high (3–15%, with 0% promos at 8–15%).
Cost to you: Dealer fee 3–15%, deducted from the loan amount (3–6% standard; 8–15% on 0% promos)
Loan size: Up to $100,000
- Model
- embedded pos
- Founded
- 2006
- Customer APR
- Fixed-rate, deferred-interest, and 0% promotional plans
Best for: Remodeling, roofing, HVAC, and solar contractors financing large projects (up to $100,000) who need high loan capacity and can price in higher dealer fees
Send customers a link to compare prequalified offers from many lenders with a soft credit check. Often free (or subscription-based) for the contractor, and you typically get paid upfront.
Hearth
Contractor financing marketplace plus sales tools (subscription-based)
Cost to you: Subscription: $1,499–$4,999/yr + $99 setup (no per-loan dealer fee; you pay for the platform)
Loan size: $1,000–$100,000
- Model
- marketplace
- Founded
- 2016
- Customer APR
- 4.9%–35.99% APR via 18+ lenders
Best for: Contractors who finance enough volume to amortize a four-figure annual subscription and want a lender marketplace bundled with estimating and sales tools
Acorn Finance
Free lender marketplace — compare 30+ home-improvement loan offers
Cost to you: Free — no dealer, subscription, sign-up, or credit-card fees
Loan size: Home-improvement loan amounts vary by lender
- Model
- marketplace
- Founded
- 2017
- Customer APR
- Fixed-rate offers from 30+ lenders
Best for: Contractors who want to offer financing at zero cost, let customers compare real fixed-rate offers from many lenders, and get paid upfront — without a dealer fee or subscription
Where to start
Service-ticket shop that wants financing wired into your FSM? Wisetack (flat 3.9%, embedded in Housecall Pro/Jobber/FieldPulse). Want a free option with no cost to you? Acorn Finance (free marketplace, paid upfront). Financing large $50K–$100K projects? GreenSky has the capacity — just price in the dealer fee and disclose deferred-interest terms. Want bundled sales tools and will use them? Hearth's subscription can fit.