Financing · Financing Marketplaces
Hearth Review
Contractor software with a multi-lender financing marketplace, sold by annual subscription
Heads up
Hearth's BBB profile lists 97 complaints closed in the last three years (checked 30 September 2026). Hearth has been BBB-accredited since October 2017. Its terms of use say payment and refund terms are governed by a separate Hearth Contractor Agreement, and contractors may be eligible for a 60-day money-back guarantee; read the agreement's renewal and cancellation terms before you sign.
Quick verdict
Who Hearth fits: Contractors who finance enough jobs, or will use enough of the bundled quoting, payments and AI call-answering tools, to justify an annual subscription instead of paying a per-loan dealer fee. Trade-offs: Annual subscription is a fixed cost and prices are demo-only; Hearth's own pages quote different price ranges; loan funds go to the customer, not the contractor; 97 BBB complaints closed in three years.
Fees & terms
Hearth charges contractors an annual subscription and no per-loan dealer fee. Its pricing page lists Hearth Pro, Pro + Harper and Enterprise with no prices (demo only); Hearth comparison pages updated July 2026 cite $1,499-$4,999 a year on one page and $2,000-$6,000 a year plus a one-time $99 setup fee on another. Homeowners see offers from 18+ lenders: loans of $1,000-$250,000 from 7.99% APR over up to 12 years, plus 0% intro APR credit cards for 6-18 months.
- Cost to contractor
- Annual subscription with no per-loan dealer fee. Plan prices are demo-only; Hearth pages updated July 2026 cite $1,499-$4,999/yr on one page and $2,000-$6,000/yr plus a $99 setup fee on another.
- Customer APR
- From 7.99% APR (personal loans via 18+ lenders); rates set by each lender, plus 0% intro APR credit cards for 6-18 months
- Loan size
- $1,000-$250,000; terms up to 12 years
Affiliate disclosure: The link to Hearth on this page goes to its own site and is not an affiliate link.
About Hearth
Hearth is contractor software built around a consumer-financing marketplace. It is the trade name of Shogun Enterprises Inc. in Austin, Texas, and its team page lists Anthony Ghosn and Joe Lonsdale as co-founders. Hearth is licensed as a broker where state law requires (NMLS ID 1628533) and says it does not accept credit applications, make loans or make credit decisions; its lending partners set rates, terms and fees.
Homeowners prequalify through a soft credit pull that Hearth says does not affect their score, then see offers from 18+ lenders: personal loans of $1,000 to $250,000 with rates from 7.99% APR and terms of up to 12 years, or 0% intro APR credit cards for 6-18 months. Hearth says its lenders serve FICO scores down to 550. Loan funds go directly to the customer, and the contractor is paid for the job as usual.
Instead of a per-loan dealer fee, the contractor pays an annual subscription. The pricing page lists three plans with no prices: Hearth Pro (financing, quotes with monthly payments, client management, Hearth Pay and concierge support), Pro + Harper (adds Harper, an AI assistant that answers calls 24/7, follows up with leads and helps with loan follow-up) and Enterprise (adds a dedicated account manager and implementation help). Hearth's own comparison pages, updated July 2026, cite $1,499-$4,999 a year on one page and $2,000-$6,000 a year plus a $99 setup fee on another.
The trade-off: the subscription is a fixed cost whether you finance one job or fifty, and prices are only quoted on a demo call. Hearth pays off for contractors who finance enough work, or use enough of the bundled tools, to cover the annual fee.
How it works
You sign up for a Hearth plan after a demo; payment and refund terms are set in Hearth's Contractor Agreement. From Hearth you send a customer a financing link or a quote with monthly payments built in. The customer prequalifies with a soft credit pull that Hearth says does not affect their score and sees offers from 18+ lenders: loans of $1,000-$250,000 from 7.99% APR over up to 12 years, or 0% intro APR credit cards for 6-18 months. The customer applies with the chosen lender, which may run a hard credit check. Hearth says approved funds are typically disbursed within a day directly to the customer, who then pays you for the job. There is no per-loan dealer fee.
Pros & cons
What works
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No per-loan dealer fee
Hearth says it charges no dealer fees, whatever the customer's credit score. You pay the subscription instead of a percentage of each financed job.
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Offers from 18+ lenders
Customers see personal-loan offers of $1,000-$250,000 from 7.99% APR, and Hearth says its lenders serve FICO scores down to 550.
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0% intro APR card options
Qualified homeowners can also see 0% intro APR credit card offers for 6-18 months, per Hearth.
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Soft-pull prequalification
Hearth says prequalifying does not affect the customer's credit score; a lender may run a hard check only when the customer applies.
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Software bundled with financing
Plans include quotes with monthly payments, client management and Hearth Pay, and the Pro + Harper plan adds an AI assistant that answers calls 24/7 and follows up with leads.
What doesn't
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Fixed annual cost
The subscription is owed whether or not customers finance. Hearth's own pages cite $1,499-$4,999 a year on one page and $2,000-$6,000 a year plus a $99 setup fee on another.
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Prices only on a demo call
The pricing page lists plans without prices, and payment and refund terms are set in a separate Contractor Agreement, so read that agreement before signing.
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Broker, not lender
Hearth does not make loans or credit decisions. Rates, approvals and servicing depend on whichever lender the customer picks.
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Money goes to the customer
Loan funds are paid to the homeowner, not to you, so you still collect payment for the job from the customer.
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BBB complaint volume
Hearth's BBB profile lists 97 complaints closed in the last three years (checked 30 September 2026). Read recent complaints before committing to an annual plan.
Features & integrations
Key features
Integrations
Frequently asked
How does Hearth charge contractors?
Hearth uses an annual subscription and charges no per-loan dealer fee. The pricing page lists Hearth Pro, Pro + Harper and Enterprise without prices. Hearth's comparison pages, updated July 2026, cite $1,499-$4,999 a year on one page and $2,000-$6,000 a year plus a one-time $99 setup fee on another, so ask for a written quote.
Does Hearth make the loans?
No. Hearth says it is a technology company licensed as a broker where state law requires (NMLS ID 1628533). It does not accept credit applications, make loans or make credit decisions. Its 18+ lending partners set the APRs (from 7.99%), terms and fees.
What can my customers borrow through Hearth?
Personal loans of $1,000 to $250,000 with terms of up to 12 years and rates from 7.99% APR, depending on credit, plus 0% intro APR credit cards for 6-18 months. Hearth says prequalifying does not affect the customer's credit score.
Who gets the loan money?
The customer. Hearth says financing is disbursed directly to your customer, typically within a day of approval, and you get paid for the job as usual. The customer repays the lender.
Hearth vs Wisetack?
Wisetack charges a fee on each financed job (3.9%, more for longer 0% APR add-ons) and covers jobs up to $65,000. Hearth charges an annual subscription with no per-loan fee and shows offers of up to $250,000 from 18+ lenders. Low-volume contractors may pay less per job with a per-transaction model; high-volume contractors may come out ahead with a subscription.
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