Acorn Finance
acornfinance.com
Lending marketplace through which contractors can share a financing link so homeowners can compare loan offers for home improvement projects.
Overview
Acorn Finance, operated by Headway Sales Inc. according to its site, is a lending marketplace connecting homeowners with a network of lenders for home improvement loans. The site says it is not a lender and does not make credit decisions.
For contractors, the company says they share a custom financing link by text, email, estimate or QR code, customers compare offers and choose one, and a contractor portal shows application status. The page says contractors are paid directly once the customer is funded.
Acorn says prequalification uses a soft credit check and that loans of up to $100,000 are available with terms of up to 20 years.
Main capabilities
- Custom financing link or QR code
- Side-by-side loan offers for customers
- Contractor portal with application status
- Soft-check prequalification
- iOS and Android apps
- Onboarding and marketing materials
Who it's for
Acorn Finance is aimed at contractors who want to offer homeowners financing for home improvement projects.
Pricing
Free
Acorn's contractor page says contractors pay no setup cost, monthly fee or dealer fees, and that its lending partners pay Acorn when loans are originated. Customer costs depend on the lender, and the page notes a lender's origination fee would raise the APR.
As listed on Acorn Finance's website in October 2026. Prices change; check with the company for a current quote.
The AI angle
Acorn Finance's site doesn't describe AI features.
Before you buy
Questions worth putting to Acorn Finance, or any finance, payments & back office vendor, on a demo call:
- Does it handle construction-specific needs: job costing, retainage, progress billing, lien waivers?
- Which accounting systems does it connect to, and is the sync two-way?
- What does it cost per payment or per transaction, and who pays: me or my customer?
- How quickly does money reach my account?
General questions from our Finance, payments & back office buyer’s guide, not claims about Acorn Finance.
Alternatives to consider
Other finance, payments & back office tools in the directory, ordered by how many of the same audiences they list. This is overlap on stated audience, not a ranking or a judgment of which is better.
-
Hearth Contractor software for quotes, contracts, invoices, payments and customer financing, aimed at residential home improvement businesses. -
Knowify Project and service management software for trade contractors that combines estimates, job management, invoicing, job costing and a QuickBooks integration. -
Wisetack Customer financing for home service businesses, letting customers pay for jobs in monthly installments through a text or link sent on an invoice. -
Adaptive Project-level accounting platform for construction handling job costing, payables, billing, WIP, forecasting, change orders and compliance, exporting reviewed figures to the existing general ledger.
This page summarises what Acorn Finance says about its own product on its website, checked in October 2026. It is not a review, and listings are editorial: no company pays to appear. Spotted something out of date? Email newsroom@constructionindustry.ai.