Customer Financing for Home Improvement Contractors

Payroll Solutions – Simplify & Minimize Your Risk

No cash upfront? None needed! You now have the opportunity to offer an affordable payment plan for clients, with out a down payment required. Avoid sticker shock and focus on getting the work started. Close more deals with affordable financing provided by Hearth and Simple Work comp!

Offer your customers affordable monthly payment options for every home improvement project, without losing your profits to dealer fees. Instead of paying a large sum for a project, they can break down their costs into smaller payments.

When contractors join, they gain access to a digital suite of marketing, financing and sales tools designed to help them win more jobs and provide a professional customer experience.

Our tools work together to help you win big!

no cost per project

No costly per-project dealer fees.


No minimum years in business.


FICO scores as low as 550. Rates as low as 6.99% APR.


Financing can help your team close 17% more jobs.


Loans from $1K to $250K. Terms from 2 to 12 years.


Track your customers’ financing progress.

Simple Work Comp provides the best financing options for construction companies, $0 money down and 0% interest for 18 months! It’s that simple.

Why do home improvement professionals love the payment plan options? It’s simple!

When you choose Hearth as your selected lending partner through Simple Work Comp, there are no prepayment penalties. Upon signing up, there are additional perks, receiving access to savings on plans such as Workers Compensation, Payroll and PEO Services.

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