Hearth makes sense for a roofing contractor when you finance roughly $46,000 or more in jobs per year, which is about five average replacements. You pay a flat annual subscription (the Pro plan runs $1,799 per year) instead of a per-job dealer fee, homeowners can borrow $1,000 to $250,000 through a network of 18+ lenders, and applicants with FICO scores as low as 550 are considered. Below that volume, a pay-per-job platform like Wisetack is cheaper. Here is the full math for replacement and storm work.
Key takeaways
- Hearth Pro costs $1,799 per year flat with no per-job dealer fees; the break-even against Wisetack's 3.9% transaction fee is about $46,000 in annual financed volume.
- Hearth's lender network offers loans from $1,000 to $250,000, while Wisetack caps each invoice at $25,000, a real limit now that Angi puts the average standing seam metal roof at about $19,000 and large projects above $32,000.
- Angi's 2026 data puts the average roof replacement at $9,604, with most homeowners spending $7,500 to $24,000, so a large share of roofing tickets need financing.
- On storm jobs, financing the deductible is legal; waiving it is not. Texas HB 2102 makes waiving a deductible a Class B misdemeanor, and percentage deductibles can put homeowners $8,000 out of pocket.
- Hearth's network considers borrowers from 550 FICO, below the roughly 600 floor industry reports attribute to GreenSky, which recovers deals that die at the credit check.
Where financing fits in a roofing business
Roofing runs on financing more than almost any other trade because the purchase is large, unplanned, and urgent. A homeowner replaces a roof every 20 to 30 years, rarely saves for it, and usually needs it done before the next storm. Three scenarios cover most financed roofing jobs:
- Standard replacement. The shingles are at end of life. The homeowner knew this day was coming but does not have $10,000 sitting in checking. A monthly payment turns a postponed estimate into a signed contract.
- Storm restoration. Insurance pays for the base replacement, but the deductible, code upgrades, and material upgrades come out of pocket. Financing closes that gap, and there are legal rules here you need to know (covered below).
- Premium upgrade. The homeowner is replacing the roof anyway and is weighing metal or impact-resistant shingles. Payment framing makes a five-figure premium feel like a monthly line item instead of a lump sum.
If you are new to offering payments at all, start with our beginner's guide to home improvement financing for contractors, then come back for the roofing-specific numbers.
Roofing job costs in 2026, and what they mean for loan size
Roofing ticket sizes determine which financing platform can even handle your work, so start with verified cost data rather than guesses. Angi's 2026 figures put the average roof replacement at $9,604, with most homeowners spending between $7,500 and $24,000. HomeAdvisor data shows $8,000 to $15,000 for a full tear-off and replacement on a standard 1,500 to 2,000 square foot home with architectural shingles. For metal, Angi reports standing seam projects running $9,400 to $32,600 with an average around $19,000.
| Job type | Typical 2026 range | Source |
|---|---|---|
| Asphalt replacement, standard home | $8,000 to $15,000 | HomeAdvisor |
| Roof replacement, overall range | $7,500 to $24,000 (avg $9,604) | Angi, 2026 |
| Standing seam metal roof | $9,400 to $32,600 (avg ~$19,000) | Angi, 2026 |
| Storm job out-of-pocket portion | $1,000 to $8,000+ | Deductible-driven; see storm section |
Notice where those ranges sit relative to lender caps. A meaningful slice of ordinary replacements, and nearly all metal work, lands above $25,000 once you add tear-off complications, decking repair, and upgrades. That single fact drives the platform comparison below.
What Hearth gives roofing contractors
Hearth is a financing marketplace, not a lender. Per Hearth's own site, when a homeowner applies through your link, the platform checks them against a network of 18+ lending partners with a soft credit pull, offers range from $1,000 to $250,000, borrowers with FICO scores as low as 550 are considered, and funding can land in as little as 24 hours. You pay a flat annual subscription instead of a per-loan dealer fee. Hearth's published plans span roughly $1,499 to $4,999 per year depending on tier, with the Pro plan at $1,799 per year plus a one-time $99 setup fee, as listed on Hearth's pricing page and third-party breakdowns as of mid-2026.
The flat fee is the whole strategic bet: the more volume you finance, the cheaper each financed job gets. For a full plan-by-plan breakdown, see our Hearth cost and fee breakdown and the Pro vs Starter plan comparison. The 550 FICO floor also matters in roofing specifically: storm work brings you every credit profile on the street, not just prime borrowers. Our guide to FICO scores and contractor financing covers what those approvals look like in practice.
Loan ceilings: Hearth's $250,000 vs Wisetack's $25,000
Loan ceilings are the sharpest difference between the two platforms roofers compare most. Wisetack finances $500 to $25,000 per invoice, per its published terms. Hearth's network goes to $250,000. For a standard asphalt replacement near Angi's $9,604 average, both handle the ticket fine. But a $32,000 standing seam job, a large-home replacement with decking repair, or a roof-plus-gutters-plus-solar package cannot run through Wisetack on one invoice. It can run through Hearth.
If your book is mostly sub-$15,000 asphalt work, the ceiling is irrelevant and the decision comes down to fees. If you sell metal, premium systems, or multi-structure jobs even a few times a year, the ceiling alone can decide the platform. The full head-to-head is in our Hearth vs Wisetack comparison, and the Wisetack side of the story is in our Wisetack for roofing contractors guide.
The fee math at real roofing volumes
Fee math for roofing financing is simple once you use current numbers, and the current numbers are friendlier to per-job platforms than older articles suggest. Wisetack charges contractors a flat 3.9% per financed transaction, per its published fee documentation. GreenSky's standard plans typically run 3 to 6 percent in dealer fees per industry reports, though promotional 0% plans push fees to 8 to 15 percent or more. Take a contractor doing 40 roofs a year with 30 percent of customers financing: 12 jobs at an average financed ticket of $11,000 is $132,000 in annual financed volume.
| Platform | Fee model | Annual cost at $132,000 financed |
|---|---|---|
| Hearth Pro | $1,799 flat per year | $1,799 |
| Wisetack | 3.9% per transaction | $5,148 |
| GreenSky (standard plans) | 3% to 6% dealer fee | $3,960 to $7,920 |
| GreenSky (0% promo plans) | 8% to 15%+ dealer fee | $10,560 to $19,800+ |
At that volume Hearth saves $3,349 a year against Wisetack and considerably more against promotional GreenSky plans. The break-even against Wisetack is $1,799 divided by 3.9%, about $46,000 in financed volume per year, roughly five average replacements at Angi's $9,604 figure. Under that, the subscription costs more than the fees it replaces. Dealer fees also hide in your pricing in ways a flat subscription does not; our dealer fee breakdown shows how much margin they quietly take.
Storm restoration: financing the deductible the legal way
Storm jobs are where roofing financing gets legally sensitive, so get two facts straight before the kitchen-table conversation. First, deductibles are bigger than most homeowners expect: wind and hail deductibles are often 1 to 2 percent of the home's insured value rather than a flat $1,000, and Bankrate notes a 2 percent deductible on a $400,000 home is $8,000 out of pocket. Second, waiving or absorbing that deductible is illegal. Texas HB 2102, in effect since September 2019, makes it a Class B misdemeanor for a contractor to waive a property insurance deductible, and similar prohibitions exist elsewhere because a waived deductible inflates the insurance claim.
Financing the deductible, by contrast, is completely legal: the homeowner still pays their share, just over time. That turns the awkward "you owe $8,000 the insurer will not cover" moment into a monthly number. A script that works:
"Insurance covers the base replacement. Your deductible is $2,500, and if you want impact-resistant shingles instead of standard, that is another $3,200 out of pocket, so about $5,700 total on your side. We have financing that covers exactly that portion. The application is a soft credit pull, takes about two minutes, and does not affect your score. Want to check your options before we finalize the scope?"
Loans in the $3,000 to $8,000 range are small relative to typical credit limits, which works in your favor at approval time. For homeowners who push back on paying interest when "insurance should cover it," a promotional rate can help; see how the mechanics work in our 0% APR contractor financing guide, and keep our financing objection responses handy for the rest.
When Hearth is the wrong choice for a roofer
Hearth is not the answer for every roofing operation, and the failure mode is predictable: paying $1,799 for a subscription you barely use. Skip it, or start on a cheaper tier, if any of these describe you:
- You finance fewer than five jobs a year. Below roughly $46,000 in financed volume, Wisetack's 3.9% per-transaction fee costs less than the subscription.
- Your average ticket is small and prime-credit. Repair-heavy books with $2,000 to $5,000 invoices fit pay-per-use platforms better.
- You need financing embedded in your CRM. Wisetack's integrations with major field service platforms are deeper; Hearth is link-based from quotes, contracts, and invoices.
- You want the insurer paid directly. Hearth funds the homeowner, who then pays you. Some contractors prefer programs that disburse to the business.
If you are still weighing the whole market, our roofing financing programs comparison lines up Hearth, Wisetack, GreenSky, and the bank-backed programs (including Regions, which acquired EnerBank in 2021) side by side.
How we put this together
We compared Hearth, Wisetack, and GreenSky on published fees, loan ranges, and credit floors, using each platform's own pricing and support pages plus industry fee reports. Roof cost ranges come from Angi and HomeAdvisor 2026 cost guides, deductible data from Bankrate, and the deductible-waiver rules from Texas HB 2102 coverage. Figures were last verified in July 2026; subscription prices and fee percentages change, so confirm current terms before signing.
Frequently asked questions
What credit score do homeowners need for Hearth roof financing?
Hearth's lender network considers applicants with FICO scores as low as 550, per Hearth's published materials. Lower-score borrowers who qualify will see higher rates, but a 550 floor recovers homeowners who would be declined outright at platforms with floors around 600, which industry reports attribute to GreenSky.
How much does Hearth cost a roofing contractor per year?
Hearth's plans run roughly $1,499 to $4,999 per year as of mid-2026, with the widely used Pro plan at $1,799 plus a one-time $99 setup fee. There are no per-job dealer fees on standard loans, so the effective cost per financed roof drops as your volume grows.
Can homeowners finance their insurance deductible on a storm job?
Yes, financing a deductible is legal because the homeowner still pays their full share, just on a payment plan. What is illegal in Texas under HB 2102, and prohibited elsewhere, is the contractor waiving or absorbing the deductible, which counts as inflating the insurance claim.
Is Hearth better than Wisetack for roofing contractors?
Hearth wins when you finance more than about $46,000 a year or sell jobs above Wisetack's $25,000 per-invoice cap, such as standing seam metal roofs averaging around $19,000 and ranging past $32,000 per Angi. Wisetack wins for low-volume or small-ticket books, since its 3.9% fee only costs you when a job actually finances.
How fast do homeowners get funded through Hearth?
Funding can arrive in as little as 24 hours after loan acceptance, according to Hearth. The application itself is a soft credit pull that returns offers in minutes, which is fast enough to run during the estimate visit; our in-home estimate walkthrough shows the exact flow.
Does Hearth charge dealer fees on roofing loans?
No, standard loans through Hearth carry no per-project dealer fee; the contractor pays only the annual subscription. The exception is optional promotional financing, such as 0% APR offers, which work differently and carry their own costs.
