“Can a vertical SaaS platform for trades contractors become the dominant financial OS for America's home improvement SMBs by embedding financing, payments, and insurance into their daily workflow?”
Founded in 2016 as a financing marketplace connecting home improvement contractors' customers to lenders via a multi-lender pre-qualification form. Over time expanded the platform to include invoicing, payments (Hearth Pay), contracts, and quoting, evolving from a pure lead-gen/lending connector into a vertical SaaS platform for trades SMBs. The embedded financial services layer — spanning consumer financing, payment collection, and insurance — is now positioned as the monetization engine of the broader workflow platform targeting a $600B home improvement market.
Hearth discloses Blue Ridge Bank as its banking provider, according to the Embedded Finance Index 2026.
Hearth does not disclose a bank charter of its own; its banking services are provided through Blue Ridge Bank.
Hearth processes payments through Stripe.
The Embedded Finance Index 2026 maps 4 layers in Hearth's stack: Payments / PSP (Stripe); Banking / BaaS (Blue Ridge Bank); Lending (Home improvement consumer financing (multi-lender marketplace), Second-look / subprime financing and Pre-qualification (17 lenders, $1,000–$250,000, 2–12 year terms, FICO ≥550, rates from 4.9% APR)); Sponsor bank (Blue Ridge Bank).
Hearth is founded in 2016 and headquartered in Austin, TX.
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