Contractor financing programs compared: Wisetack, Hearth, GreenSky, Service Finance and software-built financing

Financing used to mean a paper application, a phone call to a dealer line and a rep hoping the approval came back before the homeowner cooled off. Now most programs prequalify a homeowner from a phone in a minute or two. What still differs is what the program costs you, how large a job it can fund, and whether the monthly number is in front of the homeowner at the moment they decide.

This guide compares the programs contractors ask us about most. Every fee and limit below comes from the vendor's own page or a published rate sheet, linked where it appears. Terms change often, so treat this as a starting list and confirm with each lender before you sign. If you are new to the topic, start with how to offer financing to customers.

How do contractor financing programs make money?

Every program gets paid somewhere. Knowing where tells you what you will really pay.

• Per-transaction merchant fee. A flat percentage taken from each financed job, the same no matter which plan the homeowner picks. Wisetack's 3.9% is the common example.
• Dealer fee by plan. A percentage that changes by promotion. Long 0% or deferred-interest promos carry the highest fees, and reduced-rate plans the lowest. GreenSky and Service Finance work this way. See what is a dealer fee for how to price for it.
• Subscription. A fixed yearly price with $0 per loan. Hearth uses this model and connects homeowners to a marketplace of lenders.
• Software wrapper. Your field service tool integrates a lender. The tool may charge nothing extra, and you pay that lender's fees.

The homeowner pays interest on interest-bearing plans. On 0% and deferred-interest promos, you pay for the promo through a larger fee. That is the trade you are making when you advertise "0% for 18 months." For how those promo types differ for the homeowner, read same as cash vs 0% APR vs deferred interest.

Contractor financing programs side by side

Wisetack: flat fee, built into many tools

Wisetack is the lender you are most likely to meet inside other software. Its site says it is integrated into more than 30 platforms, including Jobber, Housecall Pro and JobNimbus. The merchant fee is a flat 3.9% per transaction. Homeowners prequalify with a soft credit check, see offers from 0% to 35.9% APR over 3 to 120 months, and the contractor is paid by bank transfer 1 to 3 business days after the job is completed.

In June 2026 Wisetack raised its ceiling from $25,000 to $65,000 and added 7 and 10 year terms, which makes it usable on most roofs and many remodels. The catch is 0% promos: they are optional add-ons that cost more. Housecall Pro's help center lists 4.9% for 6 months up to 9.9% for 24 months, and says longer 0% options need a homeowner who is "well qualified," meaning a credit score in the low 700s.

Hearth: subscription instead of dealer fees

Hearth flips the cost model. Its pricing page lists a financing marketplace of 18+ lenders with "$0 dealer fees," quotes with monthly payments built in, and 0% credit-card offers for homeowners. You pay a subscription instead. Hearth's own fee explainer puts it at $2,000 to $6,000 a year depending on the level of service, plus a one-time $99, and $0 per loan.

The math favors volume. At Wisetack's 3.9%, a $2,000 subscription equals the fee on about $51,300 of financed work a year. A shop financing a handful of $30,000 roofs passes that fast. A shop that finances two jobs a year pays for a subscription it barely uses. Note that homeowners apply for home improvement personal loans directly, so ask how and when funds reach you before you commit.

GreenSky: dealer program with many plans

GreenSky runs a point-of-sale program used widely by remodel, HVAC and exterior contractors. Its public merchant FAQ describes the cost only as "a small fee." The clearest public view is an older EGIA rate sheet, effective September 1, 2020. It lists fees from 0.5% on a 9.99% reduced-rate 120-month plan up to 17.5% on long 0% and promo plans. Its 12-month no interest if paid in full plan carried a 6.8% fee and the 18-month version 9.75%. The same sheet notes a $35 fee in months when funded volume is under $3,500.

Those numbers are six years old and specific to one association program, so use them to understand the shape of the pricing, not as a quote. The shape is the point: the promo you advertise sets your fee. On that sheet, funding worked by submitting a transaction request in the merchant portal, and the contractor was paid by ACH once the customer confirmed.

Service Finance: bank-owned dealer program

Service Finance Company is a subsidiary of Truist. Its overview sheet says it originated more than $5.78 billion in loans in 2024, serviced more than 900,000 consumers, and has worked with more than 10,000 contractors and retailers. It offers more than fifty financing programs, promotional and standard installment, across HVAC, roofing, windows, doors, siding, plumbing and more.

Dealer fees and loan limits are not published, so you get them when you enroll. The funding process is spelled out: the homeowner applies through the dealer portal or app, signs digital documents if approved, and the dealer must get client verification and proof of job completion before payment becomes available. Service Finance also appears inside ServiceTitan and Leap.

Is financing built into your software better?

Usually the lender is the same. What changes is the workflow. When financing lives inside your quoting tool, the monthly payment prints on the quote automatically, the application link is tied to the job, and funding status is visible without logging into a separate portal. That saves office time and keeps reps from forgetting to mention it.

To be fair to the field: Jobber, Housecall Pro, JobNimbus and ServiceTitan already show monthly payments on quotes or estimates. Roofr shows "as low as" payments on proposals. ServiceTitan puts financing in the technician app. Leap is built around the in-home appointment and routes one application to up to 12 lenders, so a decline can get a second decision without a second application. AccuLynx's AccuFi offers prequalification without a credit score impact from the estimate or invoice.

What to check with any software option: whether you can pick the lender, whether 0% promos are offered and at what fee, whether the plan you are on includes it (Jobber's Lite plan does not), and whether the monthly number shows up where your rep actually closes. For most replacement contractors that is the kitchen table, not an emailed PDF. More on that in how to present financing at the kitchen table.

What does financing cost on a real job?

Here is an illustrative example of the contractor's cost on two job sizes: a $7,500 HVAC replacement, near Angi's 2026 national average, and a $31,871 asphalt roof, the national average in Remodeling's 2025 Cost vs Value report. Fees use the published or rate-sheet figures above.

On the roof, the gap between a standard plan and an 18 or 24 month promo is close to $2,000. That is why the promo decision belongs in your pricing, not in the rep's mood at the table. Build the fee into your price with a markup and margin calculator and decide ahead of time which promos you will offer on which tiers.

How to choose a contractor financing program

1. 1

   Pull your last 12 months of sold jobs

   Note the average ticket, the largest ticket, and how many jobs were over $10,000. Your loan ceiling needs to clear your biggest common job, not your average one.

2. 2

   Estimate how often you will finance

   Few financed jobs a year favors a per-transaction fee. Many large financed jobs can favor a subscription. Run both with your real numbers.

3. 3

   Decide which promos you will offer

   Pick one standard plan and at most one or two 0% or deferred-interest promos. Ask each lender for the fee on exactly those plans in writing.

4. 4

   Ask how and when you get paid

   Does the lender pay you or the homeowner? After completion only, or in stages for multi-week jobs? How many business days? See when a contractor gets paid on a financed job.

5. 5

   Check approval breadth

   A single lender approves fewer homeowners than a waterfall or marketplace. If you sell to a wide range of credit, ask about second-look options.

6. 6

   Put the number where you close

   Choose the setup that puts a monthly payment on every option your rep presents, at the moment of the decision. A program nobody mentions closes nothing.

Where Revcore's financing will fit

Revcore's homeowner financing is coming soon, not live today, and it will be included on every Revcore plan when it launches. We are not ranking it against the programs above, because a product you cannot use yet should not win a comparison. Here is what is planned, so you can judge the fit when it ships.

• Monthly payments in the in-home presentation and on every estimate package, next to each Good, Better and Best option.
• The homeowner applies from the estimate on their own phone, so the rep never handles credit details.
• 0% promotional plans (12, 18 and 24 months) and longer fixed-rate terms.
• Funding status on the job, in the same app your office already runs.

The idea is placement: the payment sits inside the iPad sales presentation, where the decision happens, rather than on a PDF read later. Until it launches, Revcore reps already present Good, Better and Best options on iPad, collect e-signature and a deposit at signing, and take card or ACH through Revcore payments. You can keep any lender above alongside it. See the financing preview.

Frequently asked questions

Further reading: does offering financing increase close rates and what is a dealer fee.