Hearth vs. Enhancify: Which Fits Your Contracting Business?
Both offer no-dealer-fee, homeowner-funded financing. Hearth bundles it into a broader sales toolkit (quotes, contracts, invoicing; plan-dependent). Enhancify is financing-focused with a larger advertised lender network (30+ vs. Hearth's 12–18 across its own pages) and advertises $50–$650 per-project contractor commissions that Hearth does not currently advertise. Facts verified July 9, 2026; pricing on both providers' own pages currently conflicts — confirm directly.
Hearth and Enhancify both offer contractors no-dealer-fee, homeowner-funded financing — but they solve different problems. Hearth bundles financing into a broader sales toolkit (quotes, contracts, invoicing, payments, client tracking; plan-dependent), while Enhancify is financing-focused, currently advertises a larger lender marketplace, and publicly advertises per-project contractor commissions that Hearth does not currently advertise an equivalent of. Facts below were verified against each provider's public materials on July 9, 2026; items where a provider's own pages disagree are labeled Provider Documentation Conflict — confirm those directly before signing.
Where they're the same
Both advertise: no per-project dealer fees, soft-pull prequalification, an approval answer at the table, the homeowner funded directly by the lender, service across a wide credit range (both reference FICO scores as low as 550), and promotional options for qualified customers. On either platform, a funded homeowner becomes essentially a cash customer — you collect your deposit and get paid on your terms. Neither is a lender.
Where they differ (verified)
Product scope: Hearth positions financing inside a broader operations suite — quotes, contracts, invoices, digital payments, client tools, marketing features — with tools gated by plan (its entry plan excludes quotes and contracts). Enhancify is financing-focused: co-branded financing page, payment calculator widget, marketing materials, and a control panel, designed to sit alongside whatever software you already run. Contractor commissions: Enhancify publicly advertises commissions from $50 up to $650 per funded project under its current program, paid monthly after lender verification. Hearth does not currently advertise an equivalent contractor commission program in the public materials we reviewed. Lender network: Enhancify advertises a 30+ lender marketplace. Hearth's own materials reference between 12 and 18 lending partners depending on the page — a Provider Documentation Conflict; ask for the current count in writing. Loan ranges: Hearth advertises $1,000–$250,000 over 2–12 years; Enhancify advertises $500–$200,000, with maximum terms shown as 12 years on one of its pages and 15 on another (conflict — confirm).
Pricing: both require direct confirmation
Both platforms sell annual memberships, and both currently show conflicting prices across their own pages: Hearth's pricing page lists plan tiers while newer Hearth pages describe a different typical annual investment range, and Enhancify's pages show two different sets of plan prices. We deliberately publish no exact figures here — get current pricing, renewal, and cancellation terms in writing from each before comparing costs. Also confirm plan-specific items: which Hearth tools your tier actually includes (its AI receptionist is a separate paid product; QuickBooks sync is advertised — confirm plan coverage), and Enhancify's current commission terms and seat access for your team size.
Side-by-side comparison
| Dimension | Hearth | Enhancify |
|---|---|---|
| Financing model | No-dealer-fee marketplace (verified) | No-dealer-fee marketplace (verified) |
| Who is funded | Homeowner, directly by the lender (verified) | Homeowner, directly by the lender (verified) |
| Advertised funding speed | "As little as 24 hours" on one page; 1–3 days elsewhere — Provider Documentation Conflict | As fast as the next business day (as advertised; varies by lender and applicant) |
| Advertised lender network | 12–18 partners across Hearth's own materials — Provider Documentation Conflict | 30+ lenders (as advertised) |
| Advertised loan range | $1,000–$250,000, 2–12 years (as advertised) | $500–$200,000; max term 12 vs. 15 years on different pages — Provider Documentation Conflict |
| Credit range | FICO as low as 550 (as advertised) | FICO 550–850 (as advertised) |
| Soft-pull prequalification | Yes (as advertised) | Yes (as advertised) |
| Contractor commissions | Not publicly advertised in materials we reviewed | $50–$650 per funded project, paid monthly after lender verification (as advertised) |
| Operational software | Quotes, contracts, invoices, payments, client tools, marketing — plan-dependent; entry plan excludes quotes/contracts (as advertised) | Not positioned as an ops suite — financing-focused tools: co-branded page, calculator widget, marketing materials, control panel (as advertised) |
| AI receptionist | Offered as a separate paid product — confirm cost and availability | Not publicly advertised |
| Accounting sync | QuickBooks Online sync advertised — confirm plan coverage in writing | Not publicly advertised |
| Pricing | Annual plans; Hearth's own pages currently show differing figures — confirm in writing | Annual plans; Enhancify's own pages currently show differing figures — confirm in writing |
| Is it a lender? | No — platform/broker | No — marketplace platform |
"As advertised" = stated in the provider's own public materials, verified July 9, 2026. Provider Documentation Conflict = the provider's own pages disagree with each other; get the current figure in writing. Not publicly advertised = we could not find it in public materials — it may exist; ask the provider.
Explore either platform
Best-fit lean: financing bundled with quotes, contracts, invoicing, and payments.
Best-fit lean: financing-focused layer on top of the software you already run.
Not sure the no-dealer-fee model even fits you? Take the 60-second Fit Check first, and run your numbers through the dealer-fee calculator to see what the alternative model would cost.
Who fits which
Hearth-leaning: you have little or no operational software and want quotes, contracts, invoicing, payments, and financing consolidated in one platform. Enhancify-leaning: you already run a CRM/field-service stack you like, financing is the specific problem you're solving, and the larger advertised lender network plus advertised commissions matter to you. Both deserve a look: multi-division companies, or anyone weighing software breadth against financing breadth. The Fit Check resolves the model question first; this comparison only matters if a no-dealer-fee or hybrid result fits you.
Who This Fits
- [✓] You want no-dealer-fee, homeowner-funded financing — both deliver that model
- [✓] You know whether you need an all-in-one toolkit (Hearth-leaning) or a financing-focused layer (Enhancify-leaning)
Who This Does Not Fit
- [✗] Your jobs start same-day — neither homeowner-funded platform fits that workflow; see the dealer-fee model instead
- [✗] You're choosing on published pricing alone — both providers' own pages currently conflict; confirm in writing first
FAQ
Is Hearth or Enhancify better?
Neither is universally better. Hearth fits contractors who want financing bundled with operational software; Enhancify fits contractors who keep their existing stack and want a financing-focused platform with a larger advertised lender network and advertised per-project commissions. The right answer depends on your software situation and priorities.
Do Hearth and Enhancify charge dealer fees?
Both advertise no per-project dealer fees. Both sell annual memberships instead — and both currently show conflicting membership prices across their own pages, so confirm current pricing directly.
Does Hearth pay contractor commissions like Enhancify?
Enhancify publicly advertises commissions of $50 to $650 per funded project. Hearth does not currently advertise an equivalent program in the public materials we reviewed — ask Hearth directly if commissions matter to your decision.
How many lenders does each have?
Enhancify advertises 30+ lenders. Hearth's own materials reference 12 to 18 lending partners depending on the page — a documentation conflict we recommend resolving in writing before you sign.
Are Hearth and Enhancify lenders?
No. Both are platforms that connect homeowners with lending partners; the lenders make credit decisions and fund the loans.
Not Sure Which Model Fits Your Business?
Take the 60-second Contractor Financing Fit Check and get a recommendation based on your trade, ticket size, timeline, and sales process.
Take the Fit Check