How to Apply for Wisetack as a Contractor: Step-by-Step Walkthrough

Getting set up on Wisetack is straightforward. There is no annual fee, no long sales process, and most contractors are approved and sending their first financing links within a few business days of applying. Here is everything you need to know before you start.

What You Need Before You Apply

Wisetack’s application is fast, but you will want to have a few things ready before you start:

• Business information: Legal business name, business address, phone number, and email
• Business bank account: Wisetack pays you via ACH, so you will need your routing and account number
• Trade/industry type: Roofing, HVAC, plumbing, electrical, remodeling, etc.
• Approximate monthly or annual revenue: You will likely be asked this during the application
• Contractor license number: Have it available in case it is required for your state or trade type

Some applications may ask for additional documentation like a business bank statement or proof of insurance. This varies by state and business type. If requested, having these ready speeds up the approval process.

Step-by-Step: The Wisetack Application

1. Go to wisetack.com and click the “Get Started” or “Sign Up for Your Business” button on the homepage.
2. Enter your business information: Business name, address, and contact details. Select your industry/trade from the dropdown.
3. Select your service type: Wisetack categorizes by trade (roofing, HVAC, electrical, plumbing, general remodeling, etc.). Pick the one that best matches your primary business.
4. Provide bank account details: Your checking account routing and account number for ACH payouts. This is how you get paid after completing financed jobs.
5. Agree to the Merchant Agreement: Review and accept Wisetack’s terms. Read the fee section carefully so you understand when and how you are charged.
6. Submit your application.

The online form takes about 10 to 15 minutes to complete. If you have everything ready in advance, it goes faster.

How Long Until You Are Approved

Most applicants receive a decision same day or next business day. If additional documentation is needed (license verification, bank statement), the process may take 2 to 3 business days.

You will receive an email confirmation when your account is approved with your login credentials for the Wisetack business portal.

For questions during the application: [email protected] or (833) 927-0333.

After Approval: Setting Up Your Account

Once approved, log in at business.wisetack.us. Your account includes:

• A unique financing link you can send directly to customers via text or email
• A QR code customers can scan on-site to apply
• Job and transaction tracking for all your financed projects
• Payout history and upcoming payment information

You can also download the Wisetack mobile app on your phone, which makes sending financing links from the field faster. Several contractor CRM platforms also have direct Wisetack integrations that allow you to send financing links from within your existing software without switching apps.

Your First Transaction: How to Send a Financing Application

Once your account is live, here is exactly how to run your first financed job:

1. At the estimate or close, pull up Wisetack on your phone (app or browser)
2. Enter the customer’s first name, last name, and cell phone number
3. Enter the loan amount (the project total you are requesting financing for)
4. Hit send. The customer receives a text link immediately.
5. The customer clicks the link, fills out the application on their phone (about 2 minutes), and receives a decision in under 60 seconds
6. If approved, the customer sees their available loan offers, selects one, and signs the loan agreement digitally
7. You complete the project as contracted
8. Log into your Wisetack portal and submit the job as complete
9. Payment arrives in your bank account via ACH within 1 to 2 business days

The customer never has to download an app. The entire process runs through a web link on their phone. This is one of the reasons Wisetack gets high marks for ease of use.

Common Questions About the Application and Account

Is there a minimum credit score for customers? Wisetack does not publish an official minimum, but the floor is approximately 540 to 550 FICO based on industry reporting. Not all customers in that range will be approved, as individual lenders in Wisetack’s network have their own underwriting criteria.

Is there a minimum time in business? Wisetack does not publish an official requirement. Some contractors report needing at least 6 months of verifiable business history. Others have been approved with less. Apply directly and let the process run.

Can I use Wisetack and Hearth at the same time? Yes. Many contractors run both platforms simultaneously. Hearth handles larger jobs and higher-volume financed deals under a flat annual fee. Wisetack handles smaller or same-day jobs where the no-upfront-cost model is convenient. There is no exclusivity agreement.

What if a customer does not qualify? Wisetack will return a denial through the same text flow. You can then submit the same customer through a different platform like Hearth, which accesses a different set of 18 plus lending partners and may be able to find an approval for customers Wisetack declined.

Are there any fees before a customer actually funds? No. You only pay the 3.9% base fee on loans that are actually funded. A customer who applies and declines the offer, or who applies and is not approved, costs you nothing.

What if the job exceeds $25,000? Wisetack currently caps individual loans at $25,000. For jobs above that amount, you will need a platform with a higher limit. Hearth covers up to $250,000 and is the most common pairing for contractors whose work regularly exceeds Wisetack’s ceiling.

What to Do If You Need More Than Wisetack Covers

Wisetack works well for most service and replacement jobs. But if your business is growing toward larger projects, or if you are in a trade where $30,000 to $100,000 jobs are common, you will hit Wisetack’s ceiling regularly. At that point, adding a second platform that covers higher loan amounts is the practical solution.

Hearth is the most common pairing. It extends coverage to $250,000, accepts customers starting at 550 FICO (similar to Wisetack), and switches the cost model from per-transaction fees to a flat annual subscription that becomes dramatically cheaper as your financed volume grows.