Hearth Pro vs Starter Plan: Which Subscription Level Should You Choose?

Hearth sells three subscription tiers as of 2026: Starter at around $1,499 per year, Pro at around $1,799 per year, and Enterprise at around $4,999 per year. Most contractors asking about this are deciding between Starter and Pro, because the Enterprise tier is aimed at multi-location operations with high volume. Here is the honest breakdown of what you get at each level and how to decide which one makes sense for your business.

The Three Tiers at a Glance

The Real Question: Do You Need the Software or Just the Financing?

This is where most contractors overthink the decision. If you already have a quoting, contract, invoicing, and payment system that works for your business, Starter is probably enough. You’re paying for the financing network, and that’s all you need.

If you are running your business on paper, sending Word docs as contracts, and collecting checks, the Pro plan’s software suite at $1,799 per year is genuinely a deal compared to buying those tools separately. Jobber’s lowest plan runs around $49 per month ($588/year) for basic scheduling and invoicing. Add a separate contract tool and a payment processor and you’re past $900/year before you even add financing. Pro bundles everything at $1,799 total.

Who Should Choose Starter

Choose Starter if you meet all three of these:

• You already use a CRM or field service platform (Jobber, Housecall Pro, ServiceTitan, etc.) that handles quotes, contracts, and invoicing
• You want to add financing to your sales process without switching your back-office tools
• Your financed volume will be in the $25,000 to $80,000 range annually

Who Should Choose Pro

Pro makes the most sense if:

• You are not currently paying for a dedicated quoting or invoicing tool and want one consolidated platform
• You want your financing conversation and your paperwork to live in the same place (customer gets a quote, accepts it, applies for financing all in one workflow)
• You do $50,000 or more in financed volume per year, where the $300 difference between Starter and Pro is negligible against the savings you’re already generating

Who Should Look at Enterprise

Enterprise at $4,999/year is designed for contractors with multiple crews or locations running significant volume. If you’re doing over $500,000 in financed jobs per year, the volume pricing and dedicated support can recoup the higher annual cost. For most single-location small contractors, Enterprise is overkill.

The 0% APR Add-On

On Starter and Pro, the 0% APR option costs an additional ~$399 per year. This is the promotional financing option where the contractor subsidizes the interest (the lender charges the contractor a fee and passes a 0% rate to the homeowner). It is a powerful sales tool for specific jobs, particularly where energy savings or storm deductibles are in play. Whether it is worth the extra $399 depends on how often you use it. If you run 0% APR promotions more than once or twice a year, it pays for itself. If you have never used promotional financing, skip it at first and add it later.

ROI Comparison at Different Volume Levels

Assuming 7% blended dealer fees as the alternative:

Bottom Line Recommendation

Start with Pro if you do not already have a quoting and invoicing system. Start with Starter if you do. The $300 difference between them is not a meaningful decision for most contractors at the volume levels where Hearth pays off. The bigger question is whether the financing access itself is worth the annual fee at your current job volume. If you are doing more than $30,000 in financed projects per year (or plan to), the math works in your favor on either tier. If you’re brand new to offering financing, start with Wisetack’s free signup to validate the behavior first, then graduate to Hearth when your funded volume justifies the flat fee.