Hearth
gethearth.com
Contractor software for quotes, contracts, invoices, payments and customer financing, aimed at residential home improvement businesses.
Overview
Hearth is described by the company as a platform for estimating, invoicing, contracts, customer financing and payments for residential home improvement businesses.
In its financing flow, the contractor sends a link, the customer completes a short application, and an approved customer picks a payment plan; the contractor is paid directly once the job is complete. The company says there is no cost to the contractor to offer it and that APRs, terms and rates are set by its lending partners.
The site also lists quotes with digital contracts, automated invoices and payments, scheduling and client management, and marketing tools.
Main capabilities
- Financing link sent to customers
- Quotes and digital contracts
- Invoices and payments
- Scheduling and client management
- Marketing tools
- AI assistant (Harper)
Who it's for
Hearth says it is for home improvement professionals in trades such as HVAC, plumbing, roofing, landscaping, pools, siding, flooring and fencing.
Pricing
Quote on request
Hearth's pricing page shows three tiers (Hearth Pro, Pro + Harper and Enterprise) without prices, billing terms or any free trial information; each tier's call to action is to get a demo.
As listed on Hearth's website in October 2026. Prices change; check with the company for a current quote.
The AI angle
Hearth's homepage describes Harper as its AI tool. According to the company, it answers the phone 24/7, automatically follows up on financing applications, and can manage social media and customer texts.
The pricing page places an AI receptionist, AI follow-up, Harper loan assist and a social media creator in the Pro + Harper tier.
Before you buy
Questions worth putting to Hearth, 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 Hearth.
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.
-
Acorn Finance Lending marketplace through which contractors can share a financing link so homeowners can compare loan offers for home improvement projects. -
Wisetack Customer financing for home service businesses, letting customers pay for jobs in monthly installments through a text or link sent on an invoice. -
Knowify Project and service management software for trade contractors that combines estimates, job management, invoicing, job costing and a QuickBooks integration. -
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 Hearth 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.