# Hearth Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Hearth Software - reviews, pricing plans, popular comparisons to other Construction Estimating products and more. Source: https://www.capterra.com/p/230826/Hearth-Pay --- # Hearth Software Review 2026: Features, Reviews, Integrations, Pros & Cons Last updated on March 13, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) Hearth ## What is Hearth? Hearth helps home service businesses win more jobs, generate more revenue, and successfully scale. Partnering with Hearth means providing competitive financing offers to customers with FICO scores as low as 550 and no dealer fees, while gaining access to digital tools for payments, estimates, and more from the convenience of your phone. If you’re a contractor looking to grow your business, you’re in the right place. ## What is Hearth used for? [Construction Estimating](https://www.capterra.com/construction-estimating-software/)[Construction Management](https://www.capterra.com/construction-management-software/)[Construction CRM](https://www.capterra.com/construction-crm-software/) Top alternative Featured Overall rating Based on 9 user reviews Reviews sentiment Positive \- Neutral \- Negative \- Starting price $1499 Flat Rate, Per Year Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Hearth?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://www.gethearth.com&name=Hearth) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Hearth 2.0 (9) VS. [4.5 (813)](https://www.capterra.com/p/166113/Contractor-Foreman/reviews/) Starting Price $1499 Flat Rate, Per Year Starting Price $49 Per User, Per Month Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 2.2 (9) Ease Of Use 4.3 (813) Value For Money 1.8 (9) Value For Money 4.6 (753) Customer Service 2.2 (9) Customer Service 4.5 (771) ## Hearth alternatives [4.5 (1,348)](https://www.capterra.com/p/147181/STACK-Takeoff/reviews/) Starting price $2599.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars Highest Rated [4.6 (1,420)](https://www.capterra.com/p/127994/Jobber/reviews/) Starting price $39.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [4.5 (596)](https://www.capterra.com/p/160201/ConstructionOnline/reviews/) Starting price $475.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 95% of reviewers rated it above 4 stars [4.6 (178)](https://www.capterra.com/p/173135/buildXACT/reviews/) Starting price $199.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/230826/Hearth-Pay/alternatives/) ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Cost Estimating 1.7 (3) 66.67% of 3 reviewers that rated this feature as important or highly important Forecast the cost and resources required to complete a project Job Costing 2.0 (3) 33.33% of 3 reviewers that rated this feature as important or highly important Calculate total itemized costs, including initial costs and any changes Contract/License Management 1.5 (2) 50.00% of 2 reviewers that rated this feature as important or highly important Track, store, and access client contracts or licenses Contractor Management 1.5 (2) 0.00% of 2 reviewers that rated this feature as important or highly important Specialized for general contractors/sub-contractors (those who conduct work on a contract basis) For AEC Industry 1.0 (2) 0.00% of 2 reviewers that rated this feature as important or highly important Primarily serving architecture, engineering, and construction industry professionals Quotes/Estimates 2.0 (2) 50.00% of 2 reviewers that rated this feature as important or highly important Generate quotes or estimates for customers Hearth 38 features Track and document all activities across devices, networks, and other systems Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges Application programming interface that allows for integration with other systems/databases Create, manage, and send invoices or bills to customers Track and manage schedules and meetings via an integrated calendar Manage contact details and communication with clients Track all company interactions with current clients Manage and track all internal and external communication conducted via calls, email, text, or chat Track, store, and access client contracts or licenses Specialized for general contractors/sub-contractors (those who conduct work on a contract basis) Forecast the cost and resources required to complete a project Process to track, record, and analyze expenses that occurred over the entire duration of a given project Built-in customer relationship management (CRM) capabilities or integration with a third-party CRM system A collection of customer information such as contact details, demographics, previous interactions, etc. Store and organize information about customers and previous interactions Store, manage, and track all electronic documents in a centralized location Digitally sign online documents Estimate expected cost based on various factors before a project begins Primarily serving architecture, engineering, and construction industry professionals Serving plumbing industry professionals For subcontractors to manage remodeling projects, including estimating, job costing, and client communication Specialized for organizations who focus on residential projects Estimating software designed for HVAC businesses Captures invoice data and maintains comprehensive records for auditing and reporting purposes Calculate total itemized costs, including initial costs and any changes Manage and track all job information and associated tasks Store information about leads or contacts and track, manage and nurture them throughout the sales process Access the system via a mobile application Ability to handle several projects simultaneously Accept, record, and reconcile financial transactions Estimating software designed for plumbing companies Plan and coordinate all the resources, costs and time needed to execute assignments Monitor the progress of projects from start to finish Generate quotes or estimates for customers Plan availability and assign specific time slots for tasks and resources Track work performed and resources used for past customers, sites, or assets Track information, qualifications, and contact details of subcontractors Oversee technicians and track their assigned work orders Get Advice We can help you find the software with the features you need. Features 2.0 (9) 2.0 Based on 9 reviews ## Pricing Value for money 1.8 (9) Essentials $1,499 Flat Rate,Per Year Value for money 1.8 (9) 1.8 Based on 9 reviews Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 2.2 (9) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 2.2 (9) 2.2 Based on 9 reviews ## User reviews Overall rating 2.0 Based on 9 reviews Filter by rating 5(0) 4(1) 3(3) 2(0) 1(5) Mentioned topic Sorted by most recent Abraham S. Owner Construction ### "1 star. Disappointing and Extremely sketchy." 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 January 26, 2026 We were charged for a full $2,500 annual Hearth Pro subscription that we never used — not once. No financing, no transactions, no benefit. When we reached out, the response was essentially: “It auto-renewed. Policy says no refunds.” That was it. No real conversation. No escalation. No attempt to resolve anything. What really doesn’t sit right: The auto-renewal was buried in seven pages of fine print, and they have the nerve to call this their “standard contract,” as if quietly auto-renewing a $2,500 yearly subscription is a normal or reasonable business practice We never received the renewal notice they claim was sent There was no clear or meaningful warning before the charge hit Requests to speak with a manager went nowhere We even acted in good faith earlier and didn’t push for a refund during their guarantee period, and that apparently counted for nothing. For a company that markets itself as a partner to contractors, this felt more like a gotcha charge than a fair or transparent business practice. Especially frustrating as a New York customer, where auto-renewals are supposed to be clearly disclosed and communicated. If you use Hearth, set calendar reminders and watch your card closely. If you miss the renewal window, don’t expect flexibility — just copy-and-paste policy emails. Not a good experience. Pros There's nothing to like about a company that is looking for a cash grab. unethical business practices. stop calling yourself partners Cons The auto-renewal was buried in seven pages of fine print, and they have the nerve to call this their “standard contract,” as if quietly auto-renewing a $2,500 yearly subscription is a normal or reasonable business practice Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JB John B. Owner Construction ### "Hearth basically left me unsatisfied. They did not do their job." 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 November 19, 2025 Hearth/PayEngine constantly delays or holds my business payments, sometimes for days or weeks. They repeatedly ask for documents I’ve already submitted, give contradictory answers, and fail to respond while they hold thousands of dollars of my money. I was approved for next-day ACH, but payments often take a week or more. This has caused major cash-flow issues for my construction business. Very unreliable payment processor. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) I wanted a better platform that would be more streamlined, and I thought hearth was going to deliver. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JD Jeremy D. Owner Construction ### "Worst Financing Experience – Lost Multiple Deals" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 June 24, 2025 My overall experience with Hearth was extremely frustrating and disappointing. As a contractor, I depend on financing partners to help close deals and support my clients. Hearth completely failed to deliver. Their communication was terrible—no returned calls, no follow-ups, and no urgency. I had two clients ready to go, both prequalified, and they ended up walking away because Hearth never reached out to them. I reached out multiple times and was given excuses instead of solutions. To make matters worse, they refused to refund me. This company cost me business, time, and trust. I will never use them again. Pros I’m required to write why I liked the company, but truthfully, I didn’t. This was one of the worst experiences I’ve ever had with a financing provider. Hearth’s team was completely unresponsive, which led to me losing not just one but two signed deals. My clients never got a call back despite being prequalified. When I contacted customer service, I was told I wouldn’t get a refund. There was zero accountability. Poor communication, no support, and no results. I would strongly advise anyone—especially contractors—to stay away. I won’t be using Hearth again. Cons This has been the worst financing company I’ve ever worked with. I lost two confirmed projects because Hearth never answered their phones or followed up with my clients — even after they were prequalified and had already signed contracts with me. My clients ended up going with another company that offered on-the-spot financing because Hearth failed to call them back, despite multiple attempts. I reached out to Hearth’s customer service for help, and instead of resolving the issue, they refused to refund my money. I’m beyond disappointed. The reps were unresponsive, unhelpful, and the entire process was a disaster from start to finish. If you’re a contractor or a homeowner looking for reliable financing support, look elsewhere. Hearth has the worst customer service I’ve ever encountered and does not stand behind their platform. Avoid them at all costs. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. BB BUD B. owner Construction ### "Hearth was good for a start up." 3.0 Overall Rating 3.0 3.0 Ease of Use 5.0 5.0 Features 3.0 3.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 February 17, 2025 We ended up leaving hearth for another product. Pros Helped us digitize our estimates/contracts. Offered financing for our clients. Cons The cost for financing. It was pretty high no matter if someone didn't get financing for the year from us. Alternatives considered [Buildertrend](https://www.capterra.com/p/70092/Buildertrend/) Reasons for choosing Hearth cheaper. Worked for the volume we did at the time. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AS Alyx S. Owner Construction ### "Hearth.. hard?!" 3.0 Overall Rating 3.0 3.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 2.0 2.0 Likelihood to Recommend 5/10 February 8, 2025 Pros Hearth is very nice from the outside looking in! Cons The customer service can be a bit harsh and hard to get ahold of. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CB Curtis B. CEO Construction ### "Do not use will take advantage of WOSB’s" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 October 22, 2024 Title: Disappointing Experience with Hearth I had high hopes for Hearth, but my recent experience has left me utterly frustrated. Their lack of flexibility in business dealings is shocking. I submitted a fair and reasonable refund request, only to be met with resistance and a dismissive attitude. The end of the conversation was a curt "sorry \[sensitive content hidden\], too bad," which felt incredibly unprofessional and disheartening. This inflexibility has greatly impacted my small woman-owned business’s financial operations. It's disheartening to see a company so unwilling to accommodate or support their customers. I cannot recommend Hearth based on this experience. Look elsewhere if you value customer service and support! Pros Do not use will take advantage of small companies Cons Will take your money and run. Deeply impacted financially a small WOSB here in Az. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Jason C. Owner Construction ### "Terrible Financing Company. Much better alternatives." 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 February 23, 2024 Hearth is not a good financing broker, and an even worse company. They have a business model that requires you to subscribe and pay an annual fee for services upfront even though they don’t perform. Well-qualified customers who applied for financing were essentially disgusted with the rates that were being offered to them. I didn’t have a single customer actually move forward with an offer. And the icing on the cake? They auto-renewed my +$2,000 annual subscription after I hadn’t used the service for over 6 months. I forgot I even had the service because I had abandoned hope for it so thoroughly after the first few months. And they refused to even give a partial refund after multiple attempts. Terrible business practice. I am surprised that a large company would take such a poor, short-term view on customer service. I wouldn’t even know how bad Hearth was if I hadn’t had such an opposite experience with Wisetack, one of Hearth’s competitors. I would highly recommend anyone look into them as an alternative to Hearth. Pros Easy to set up and onboard. They do make it easy to start, even if they don’t make it easy to be successful. Cons Terrible business model (pay them regardless of performance), terrible customer service, terrible business ethics, and terrible financing rates for our customers. Reasons for choosing Hearth Hearth is not a credit card, which is a plus. But the rates people get offered are worse than CCs. Had I known about Wisetack before, I certainly would have used them instead of Hearth. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Julieann L. Office Manager Construction ### "High Hopes But..." 3.0 Overall Rating 3.0 3.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 5.0 5.0 Likelihood to Recommend 2/10 November 9, 2023 Half and half. For the money that we have spent on Hearth (over $2,000 pre-paid for the year) I was hoping to be confident using Hearth for invoicing and online payments, but I cannot use due to our two banks not connected. Pros This program came highly recommended and the online reviews are good. We use it to offer our customers financing for roof replacements. The financing portion of this service is a definite pro. Works well, no issues so far. Also a major Pro: the customer service is phenomenal! Cons Hearth also offers invoicing and online payment options for our customers, whether the customer is a finance customer or not. I loved this feature at first thinking it would make my life a lot easier but turned into a major fiasco when I tried to have a customer pay us via ACH. On the customer's end it was no problem, but on my end I was not able to transfer the money from our Hearth account into our business account. Both myself and the customer service team found out the hard way for me that our bank does not "work" with their bank. In other words, the two are not connected. Horrified. I had to transfer the money to a personal account then to our bank account causing a lot of confusion and tax repercussions. In the midst of all this happening, I received, through Hearth portal, notification that a quote that I had not sent was accepted by a customer. Fine except that the customer was in Arizona (I am in Mass) and the work was to replace central air conditioning units, something we do not do. Wehn I contacted Hearth, they had no idea how this could have happened and they still cannot figure it out after more than a week and a half. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. ID Iqbal D. CEO Construction ### "Good for low credit customers" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 5/10 December 9, 2022 Only good for customers with bad credit. However, they get offered really high interest rates. Not very successful for our customers so far. We have another option which works way better Pros Ease of use for customers. Sometimes they get multiple offers Cons It is weird that customers with 700+ credit rating do not get good interest rates while other companies are cheaper. Customers can use any other company for work while we do all the hard work Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. 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