Roof. Remodel. ADU. Solar. Pool. Whatever you're building, get pre-qualified in 60 seconds with no impact to your credit. Loans funded by licensed lenders via Hearth — used by 25,000+ contractors nationwide.
Estimate only — final rate depends on credit + lender.
Soft pull only — won't affect your credit score.
Hearth handles the lender match. We just put it in front of you at the moment you need it.
Amount, type of work, ZIP code. 30 seconds. No SSN yet.
Soft pull only. See real rates from up to 17 lenders side by side.
Choose the offer you like. E-sign. Hearth handles the paperwork.
Funds hit your bank in 24h. Pay your Bidroom contractor like cash.
Industry data shows contractors who present a financing option close 38% more bids and write 23% larger projects on average. Hearth is white-labeled — your customer sees your business name, not Hearth.
Real questions, real answers. No legalese.
No. Pre-qualification uses a soft pull only — no impact to your credit score. A hard pull only happens if you formally accept a loan offer from a specific lender.
Lenders in Hearth's network work with credit scores from 580 up. Better scores get better rates, but the marketplace finds you the best available offer for your profile.
None. Hearth makes its money from lender referral fees. Your rate is the same whether you go to the lender directly or through Hearth — except Hearth lets you compare 17 lenders in one click instead of applying to each separately.
Funds typically hit your bank account within 24–48 hours of loan closing. From there you pay your contractor like any other payment — cash, check, ACH, or directly through Bidroom escrow if you're using milestone payments.
Hearth is the financing marketplace used by Power Home Remodeling, Sears Home Services, and 25,000+ other contractors — it's the most-trusted home-improvement financing platform in the US. We get a referral fee when a Bidroom homeowner funds a loan, but we only added them to the Stack because they have the highest borrower satisfaction score in the category.