For most contractors comparing financing platforms in 2026, the math splits cleanly by volume: Wisetack is cheapest below roughly $46,000 in annual financed volume, Hearth wins above it, GreenSky only makes sense when a manufacturer program forces your hand, and Improvifi is the pick when your team needs training and live deal support more than the lowest fee. This comparison shows the verified numbers behind each of those calls.
Key takeaways
- Hearth charges a flat subscription ($1,499 to $4,999 per year depending on tier, plus a $99 setup fee) with zero per-loan dealer fees, per Hearth's own pricing pages as of mid-2026.
- Wisetack charges 3.9% per funded loan with no annual fee; against Hearth's $1,799 Pro plan, the break-even sits near $46,000 in annual financed volume.
- GreenSky's dealer fees run roughly 3 to 6% on standard loans and 8 to 15% on 0% APR promotions, the most expensive promo pricing of the four.
- Trustpilot tells a stark story: Wisetack sits around 4.8 of 5 while GreenSky sits near 1.6 of 5, and GreenSky signed a 2021 CFPB consent order over unauthorized loans.
- Improvifi does not publish membership pricing, but it is the only one of the four that bundles sales training, a live Deal Desk, and secured loan programs up to $400,000.
Quick verdict by scenario
The right platform depends on your financed volume, job size, and how experienced your team is at selling payments. Here is the short version before the detail:
- Financing under about $46,000 per year, jobs under $25,000: Wisetack. You pay only when a loan funds, and homeowners get a soft-pull answer in about a minute.
- Financing $50,000+ per year, or jobs above $25,000: Hearth. The flat subscription beats per-loan fees, and the $250,000 loan cap covers full remodels.
- Locked into a manufacturer or dealer program: GreenSky. On a neutral cost basis it loses to both, but brand-sponsored promo buydowns can change the math for HVAC dealers.
- New to financing with an untrained sales team: Improvifi. Training, coaching, and a live deal desk matter more than fee optimization when adoption is your real problem.
Hearth vs Wisetack vs GreenSky vs Improvifi at a glance
| Feature | Hearth | Wisetack | GreenSky | Improvifi |
|---|---|---|---|---|
| Fee model | Flat annual subscription | 3.9% per funded loan | Dealer fee per loan | Membership (unpublished) |
| Annual cost | $1,499 to $4,999 + $99 setup | $0 | $0 | Not published |
| Per-job cost | $0 | 3.9% (4.9 to 9.9% on 0% promos) | ~3 to 6% standard, 8 to 15% promo | Varies by lender |
| Loan range | $1,000 to $250,000 | $500 to $25,000 | Up to $100,000 | $5,000 to $400,000 (secured programs) |
| Terms | 2 to 12 years | 3 to 60 months | Up to 10 years | 2 to 30 years |
| Homeowner APR | ~7.99 to 35.99% | 0 to 35.9% | 0 to 29.99% | Varies by lender |
| Credit reach | FICO from 550, soft pull | No strict minimum, soft pull | Roughly 600+, prime-leaning | Second-look programs, FICO 550 to 680 |
| Decision speed | Minutes, funding in as little as 24 hours | About 60 seconds | Minutes to hours | Varies by lender |
| Extras | Quotes, contracts, invoicing software | None (integrates with FSM tools) | None | Training, Deal Desk, app, white-label credit page |
| Trustpilot (mid-2026) | Mixed, billing complaints noted | ~4.8 of 5 | ~1.6 of 5 | Not meaningfully listed |
Fees and pricing model
Fee structure is where these four platforms genuinely differ, and it decides most head-to-head outcomes. Hearth's pricing pages list flat annual subscriptions with zero dealer fees per loan: as of mid-2026 the tiers run Essentials at $1,499, Pro at $1,799, and Elite at $4,999 per year, plus a one-time $99 setup fee. Finance three jobs or three hundred, the subscription cost is identical. We break the tiers down in our full Hearth fee breakdown.
Wisetack inverts the model. Per Wisetack's help center and partner documentation, contractors pay nothing to sign up and 3.9% per funded loan. Offering promotional 0% APR raises the fee only on loans where the customer selects that option: 4.9% for 0% terms up to 6 months, 6.9% up to 12 months, and 9.9% up to 24 months.
GreenSky also charges per loan, but its dealer fees climb faster. Published GreenSky program summaries and dealer disclosures put standard-rate loans around 3 to 6% and 0% APR promotions at 8 to 15% or more depending on term. A $30,000 job on a 12-month 0% promo can cost the contractor $3,000+ on GreenSky versus $2,070 on Wisetack and $0 in per-job fees on Hearth. Our guide to dealer fees covers how those percentages quietly eat margin.
Improvifi sells a membership that bundles multi-lender access with training and support, and it does not publish the price. Lender fees still apply per transaction through its partners, so budget for both layers when you get a quote.
Winner: Wisetack at low volume, Hearth at high volume. GreenSky is the most expensive way to offer 0% APR of the four.
The break-even math by annual financed volume
Break-even math answers the Hearth vs Wisetack question in one line: Hearth's $1,799 Pro plan divided by Wisetack's 3.9% equals about $46,000 in financed volume per year. Below that, per-loan pricing is cheaper. Above it, flat pricing wins and keeps winning. Here is the annual cost at four volume levels, using Wisetack's standard 3.9% and a 6% blended GreenSky dealer fee (a conservative mix of standard and promo loans):
| Annual financed volume | Hearth Pro (flat) | Wisetack (3.9%) | GreenSky (6% blended) | Cheapest |
|---|---|---|---|---|
| $30,000 | $1,799 | $1,170 | $1,800 | Wisetack |
| $50,000 | $1,799 | $1,950 | $3,000 | Hearth (barely) |
| $100,000 | $1,799 | $3,900 | $6,000 | Hearth |
| $250,000 | $1,799 | $9,750 | $15,000 | Hearth, by $7,900+ |
Two adjustments to keep honest. First, Hearth's $1,499 Essentials tier drops the break-even to about $38,400 if that plan fits your needs. Second, if most of your loans run on 0% promos, Wisetack's effective rate is 4.9 to 9.9%, not 3.9%, which pulls its break-even against Hearth down to as little as $18,000 to $37,000. Heavy promo users hit Hearth territory much sooner, a point we expand in our 0% APR financing guide.
Winner: Hearth for any operation past roughly $46,000 per year.
Loan sizes, terms, and job fit
Loan caps decide which platform can even quote your typical job. Hearth's lender network covers $1,000 to $250,000 with terms from 2 to 12 years, per Hearth's loan pages, which handles everything from a water heater to a full kitchen and addition. Wisetack tops out at $25,000 with terms of 3 to 60 months, per its consumer pages: perfect for HVAC replacements and service work, a hard ceiling for remodelers. GreenSky reaches $100,000 with terms up to 10 years. Improvifi's partner programs are the outlier at the top end: its site describes secured lending from $5,000 to $400,000 with 2 to 30 year terms, useful for large exterior and solar-adjacent projects where unsecured lending taps out.
Winner: Hearth for most contractors; Improvifi if you need secured loans past $250,000. Wisetack simply cannot quote a $40,000 remodel.
Homeowner approval odds and credit reach
Approval reach determines how many of your marginal customers turn into funded jobs. Hearth advertises pre-qualification with a soft credit pull for FICO scores as low as 550 across an 18-lender network, which means a declined applicant at one lender can still match with another; we explain the mechanics in how Hearth's lender network works. Wisetack also uses a soft pull and states no strict minimum score; its help center notes interest-bearing options can approve scores in the low 500s, while the long 0% promos generally need low-700s credit. GreenSky leans prime: real-world reporting puts its practical floor around 600, and its application involves a hard pull, which some homeowners refuse at the kitchen table. Improvifi's second-look and sub-prime programs target FICO 550 to 680, which is exactly the band where single-lender programs decline.
Winner: tie between Hearth and Wisetack for reach with a soft pull. GreenSky is the weakest for sub-prime homeowners.
Speed and the in-home sales process
Speed at the kitchen table changes close rates more than most owners expect, because a homeowner who waits overnight is a homeowner who shops the bid. Wisetack is the benchmark: application by text link, decision in about 60 seconds. Hearth pre-qualification takes minutes and shows monthly payment options across lenders, with funding in as little as 24 hours per its product pages; it also feeds payment options into its quoting and contract tools. GreenSky decisions range from minutes to hours depending on the loan product. Improvifi routes deals through its app and, when an application stalls, a live Deal Desk that can restructure the loan while your rep is still in the house. No other platform here offers a human on standby mid-pitch.
Winner: Wisetack on raw speed; Improvifi on rescue support.
Software, training, and everything beyond the loan
Extras separate platforms that fund loans from platforms that change how your company sells. Hearth bundles quoting, digital contracts, and invoicing into the subscription, effectively a light sales stack on top of financing. Wisetack ships no software of its own and instead embeds inside field service platforms like Housecall Pro and Jobber. GreenSky provides a loan portal and nothing else. Improvifi is the only one built around enablement: the Improvifi Skool training program, scripted objection handling, the Deal Desk, and a white-labeled Consumer Credit Center page for your website. If your reps have never offered payments, that support layer is the difference between a tool you pay for and a tool that gets used; our standalone Improvifi review goes deeper on what the membership includes.
Winner: Improvifi for training and support; Hearth for bundled business software.
Reputation, reviews, and regulatory record
Reputation matters because your customer's experience with the lender lands on your company's name. The gap here is wide. Wisetack holds roughly a 4.8 of 5 on Trustpilot as of mid-2026 with consistently positive homeowner feedback. GreenSky sits near 1.6 of 5 on Trustpilot, with complaints clustered around billing disputes and deferred interest. GreenSky also carries the only formal regulatory action of the four: a 2021 CFPB consent order, after the bureau found merchants had submitted loan applications consumers never authorized, requiring up to $9 million in loan refunds or cancellations and a $2.5 million penalty, per the CFPB's published enforcement records. Hearth's picture is mixed rather than bad: strong support reviews on Trustpilot alongside BBB complaints about auto-renewing subscription charges, so calendar your renewal date. Improvifi is young enough that it has no meaningful review base yet, which is itself a data point. Contractor-side experiences with Hearth are collected in our Hearth reviews roundup.
Winner: Wisetack, clearly. GreenSky's record is the weakest of any major contractor financing platform.
Choose Hearth, Wisetack, GreenSky, or Improvifi if...
Choose Hearth if you finance more than about $46,000 per year, quote jobs above $25,000, want zero per-job fees, or want quoting and contract software bundled in. The subscription only pays for itself if your team actually presents payments on every estimate.
Choose Wisetack if you are testing financing with no commitment, your tickets run under $25,000, or homeowner experience and 60-second soft-pull approvals are your priority. It is the lowest-risk on-ramp of the four.
Choose GreenSky if a manufacturer or dealer program subsidizes your promo fees or your brand relationship requires it. On open-market economics and reputation it loses every other scenario; if you are on it by default, price out the GreenSky alternatives.
Choose Improvifi if financing has failed at your company before because nobody pitched it. Training, live deal support, and second-look lending are worth more than a lower fee when adoption is the bottleneck. Get the membership price in writing first, since it is not published.
Final verdict
Hearth wins this comparison for the core Contractor Guide Pro reader: an established contractor pushing financing on every qualifying estimate, where flat pricing beats 3.9 to 15% per job by thousands of dollars a year. Wisetack is the best starting point and the best homeowner experience, and plenty of shops run both: Hearth as primary for large jobs, Wisetack free-to-keep for small fast service tickets. GreenSky is a legacy default worth re-shopping. Improvifi is the interesting newcomer for teams that need coaching more than rate cards. If Hearth's math fits your volume, you can see current Hearth plans here.
How we put this together
We compared published pricing and program terms from Hearth's pricing and loan pages, Wisetack's help center and partner documentation, GreenSky's program disclosures, and Improvifi's own site, then cross-checked reputation data against Trustpilot listings, BBB complaint records, and the CFPB's 2021 GreenSky consent order. Break-even figures are straight arithmetic from those published fees. Improvifi pricing is unpublished, so we describe its model without a dollar figure. All numbers were last verified in July 2026.
Frequently asked questions
Which is cheaper for contractors, Hearth or Wisetack?
Wisetack is cheaper below roughly $46,000 in annual financed volume, and Hearth is cheaper above it. The crossover is simply Hearth's $1,799 Pro subscription divided by Wisetack's 3.9% fee, and it drops to about $38,400 on Hearth's $1,499 Essentials plan. Heavy 0% promo use pushes the crossover even lower in Hearth's favor. See our full Hearth vs Wisetack comparison.
Why do contractors leave GreenSky?
Cost and reputation are the two main reasons contractors leave GreenSky. Dealer fees of 8 to 15% on 0% APR promotions are the highest of the major platforms, its Trustpilot score sits near 1.6 of 5 as of mid-2026, and the company signed a 2021 CFPB consent order over unauthorized loan applications. Contractors who are not tied to a manufacturer program usually save by switching, as our GreenSky vs Hearth fee math shows.
Can I use Hearth and Wisetack at the same time?
Yes, running both platforms together is common and often optimal. Hearth's flat subscription covers unlimited large jobs up to $250,000, while Wisetack costs nothing to keep active and handles small same-day tickets where its 60-second approval shines. Your only added cost is 3.9% on the jobs you route through Wisetack.
Does Improvifi charge dealer fees?
Improvifi itself charges a membership fee, which it does not publish, and its partner lenders may apply their own per-transaction fees depending on the loan program. The membership bundles training, the Deal Desk, a mobile app, and a white-label credit page, so you are paying for enablement as much as loan access. Ask for total cost across both layers before signing.
Which platform approves the most homeowners?
Hearth and Wisetack reach the widest credit range, both using soft-pull pre-qualification. Hearth's 18-lender network accepts FICO scores from 550, Wisetack states no strict minimum and can approve interest-bearing loans for scores in the low 500s, while GreenSky leans prime at roughly 600 and up with a hard pull. Improvifi's second-look programs specifically target the 550 to 680 band.
What credit score does a homeowner need for 0% APR financing?
Roughly low-700s credit is needed for the longer 0% APR promotional terms on Wisetack, according to its help center, while weaker scores still qualify for standard interest-bearing options. GreenSky's promo products similarly favor prime borrowers. Remember the contractor pays for the promo: 4.9 to 9.9% on Wisetack and 8 to 15% on GreenSky.
Is a financing subscription worth it for a new contractor?
Usually not in year one, because a new contractor rarely clears the $46,000 financed-volume break-even that justifies Hearth's subscription. Start on Wisetack's pay-per-use model or a similar no-fee platform, prove your team will actually present payments, then upgrade once volume supports flat pricing. Our guide to offering financing as a new contractor covers approval without a two-year history.
