Most contractor financing platforms give you a link to send customers. Improvifi gives you a link plus a training program, a live deal support desk, and a mobile app. It is not a direct competitor to Hearth or Wisetack in the traditional sense. It occupies a slightly different space: part financing marketplace, part contractor business coaching program.
Here is what Improvifi actually is, how it works, who it is designed for, and how to decide if it makes sense for your business.
What Improvifi Is
Improvifi is a multi-lender home improvement financing platform that connects contractors with multiple consumer lending partners through a single application. When a homeowner applies through Improvifi, the application gets submitted to multiple lenders simultaneously, and the homeowner sees the offers they qualify for.
This is structurally similar to how Hearth works: neither is a direct lender, both are marketplaces that route applications to a network of lending partners. The approval rate and loan terms depend on the specific lenders in the network.
But Improvifi layers in something Hearth and Wisetack do not include: a structured coaching and support system designed to help contractors actually adopt financing into their sales process, not just hand them a link and wish them luck.
The Core Products Inside Improvifi
The Improvifi App: A mobile hub contractors use to send financing applications to customers from the field. Enter the customer’s phone number, they receive a text with the application link, and the process runs from there.
The Deal Desk: This is Improvifi’s most differentiated feature. When you are sitting in a homeowner’s living room and the financing application is giving you trouble, or the customer has questions you cannot answer, you can call the Deal Desk and get a live expert on the line to help. Real-time support for in-home loan issues is something no other major contractor financing platform currently offers.
The Improvifi Skool: A training program covering how to present financing to homeowners, how to overcome objections, how to frame monthly payments, and how to build financing into your estimating and close process. The content is specifically built for contractors, not generic sales training.
Consumer Credit Center: A white-labeled financing page you can embed on your website so customers can pre-qualify on their own before you even walk in the door.
The PROgram: Improvifi’s full membership, which bundles all of the above into a single subscription.
Who Uses Improvifi
Improvifi’s primary audience is home service contractors across HVAC, roofing, remodeling, fencing, flooring, and related trades. The platform works with both individual owner-operators and small to mid-size operations with a sales team.
The contractors who get the most out of it tend to be businesses that have tried offering financing before but struggled with adoption: the team does not bring it up consistently, the close rate on financed deals is low, or leadership knows financing should be part of the pitch but nobody has trained on how to actually do it.
Improvifi Pricing
Improvifi does not publish pricing publicly on their website. The PROgram membership fee and lender transaction fees are disclosed during a consultation call.
If you are evaluating Improvifi, the right step is to book a call directly with their team at improvifi.com and ask for specific pricing for your trade and volume level. Comparing the all-in cost (membership plus expected lender fees per job) against Hearth’s flat annual subscription will tell you which one saves you more at your volume.
How Improvifi Differs from Hearth
Both are multi-lender marketplaces. Both give contractors a link to send customers. The differences come down to what is bundled alongside the financing access.
Hearth bundles business software: digital quotes, contracts, invoices, and payment processing alongside the financing tools. The annual subscription covers all of it. Hearth’s pricing is published and predictable.
Improvifi bundles training and support: the Skool, the Deal Desk, and live coaching around adoption. Improvifi’s pricing is not published and requires a sales conversation before you know the number.
If your primary challenge is adoption and your team genuinely does not know how to present financing in the home, Improvifi’s training layer has real value. If your primary challenge is cost structure and you are paying too much per job on dealer fees, Hearth’s flat subscription solves that more directly.
Improvifi vs Hearth: Which One Fits Better
| Situation | Better Fit |
|---|---|
| New to financing, want training alongside tools | Improvifi |
| Sales team needs coaching on how to present financing | Improvifi |
| Want real-time deal support during in-home sales calls | Improvifi |
| Already use financing, want lower cost at higher volume | Hearth |
| Need proposal and contract software bundled with financing | Hearth |
| Want transparent, published pricing before a sales call | Hearth |
| Finance more than $46,000/year and want $0 per-job fees | Hearth |
| Regularly quote jobs above $25,000 | Hearth |
Is Improvifi Worth It?
The honest answer depends on what is blocking you from using financing effectively right now.
If the blocker is knowledge and confidence, Improvifi’s Deal Desk and Skool can genuinely accelerate how quickly your team gets comfortable presenting financing to homeowners. The training is targeted and the live support is a real differentiator for contractors who freeze up when a deal gets complicated in the home.
If the blocker is cost, and you are currently paying high dealer fees on GreenSky or other per-transaction platforms, Hearth’s flat subscription model addresses that more directly and with a lower starting price and published terms.
Most contractors who are already running a smooth financing process with Hearth or Wisetack would find the Improvifi training content overlapping significantly with what they have already figured out. For a contractor who has never successfully integrated financing into their daily sales process, Improvifi’s bundled approach may shorten that ramp.
The Bottom Line
Improvifi is a legitimate platform with a genuinely differentiated offering in the Deal Desk and training components. It is built for contractors who want more hand-holding through the adoption process, not just another link to send customers.
If you are evaluating Improvifi, book the consultation call, get the specific membership pricing, and compare the total annual cost (membership plus estimated per-job lender fees) against Hearth’s published subscription at your volume. That comparison gives you the real number, not a feature-by-feature list.
Ready to See If Hearth Makes Sense for Your Business?
Hearth gives contractors access to 18 plus lenders at a flat annual rate with no per-job dealer fees. If you finance more than $36,000 in projects per year, the math almost always works in your favor.