Wisetack vs Hearth
Wisetack and Hearth are both consumer financing provider products for home service contractors. Wisetack takes a percentage of the financed amount; Hearth is a monthly subscription from $125 a month. Wisetack serves all trades and Hearth serves all trades. The table below sets the published facts side by side; neither vendor had a say in it.
| Fact | Wisetack | Hearth |
|---|---|---|
| Category | Consumer financing | Consumer financing |
| Trades | All trades | All trades |
| Pricing model | Percentage of financed amount | Monthly subscription |
| Starting price | Not published | $125 |
| Integrations | Jobber, Housecall Pro, Workiz | QuickBooks |
| Regions | US | US |
| HQ | San Francisco, US | US |
| Founded | Not published | Not published |
| Funding | Not published | Not published |
| Publisher product | No | No |
3.9% flat merchant fee; 5.5% on 24-month 0% promos; $500-$25k loans; 17+ FSM integrations
$1,499/yr Essentials plus $99 setup; multi-lender marketplace; no dealer fees
How this list is built. Every listing names home service trades as a market and sits in the consumer financing category. Order is editor's pick, then explicit trade coverage, then a published price, then name. Nobody pays to appear or to rank. The publisher's own product is labelled and gets no adjustment. Full methodology.