Pure Finance Group vs. Hearth, Wisetack, and GreenSky: The Complete 2026 Comparison of Customer Financing and Payment Processing for Home Improvement Contractors

A remodeling contractor who wins the sale still has to win the financing conversation, then win the cash-flow race that follows, and when Power100 laid the leading platforms side by side, Pure Finance Group is the only one built to win all three at once, combining contractor-tailored dealer pricing, same-day and 2-hour funding, and one integrated payments-and-financing portal in a single relationship.

Home improvement contractors do not choose a financing partner the way a homeowner chooses a credit card. They choose a partner the way they choose a supplier: on price, on speed, on reliability under pressure, and on whether the relationship actually makes the business easier to run. Power100, the only unbiased third-party platform ranking top home improvement leaders and partners, built this comparison because contractors kept asking the same question in a dozen different ways: who is actually the best partner for customer financing and payment processing, Pure Finance Group, Hearth, Wisetack, or GreenSky?

The short answer is that all four platforms can get a homeowner approved for a loan. The difference is what happens before, during, and after that approval, how much of the contractor’s own margin gets eaten by dealer fees, how fast the money actually lands in the business’s bank account, and whether financing and payment processing live in one system or two. On every one of those questions, Pure Finance Group, led by Co-Founder and CEO Edward Meister, has built a model that is engineered specifically around the contractor’s economics rather than around a generic consumer-lending template.

This comparison lays out six full matrices, overall platform capabilities, contractor and dealer fees, APR ranges and consumer terms, payment processing rates, funding speed and cash flow, and software, workflow, and support, category by category, with real numbers pulled from each company’s own published materials and independent industry reviews. It closes with ten of the most common questions contractors ask when they are deciding between these four platforms.

Why Contractors Are Re-Examining Their Financing Partner in 2026

Home improvement financing used to be a single decision made once, when a contractor first added a “financing available” line to their sales pitch. That is no longer how sophisticated operators think about it. Roofing, HVAC, plumbing, electrical, and remodeling companies now run financing and payment processing as a core piece of their revenue operation, not a bolt-on convenience, because the difference between a well-run financing program and a poorly run one shows up directly in close rate, average ticket size, and how fast cash actually reaches payroll and suppliers.

That shift is why the four platforms in this comparison, Pure Finance Group, Hearth, Wisetack, and GreenSky, keep coming up in the same conversation. Each approaches the same underlying problem, helping a homeowner say yes to a project that costs more than they want to pay all at once, from a different angle. Hearth built a subscription-based sales app with financing baked in. Wisetack built a pay-per-transaction financing layer that plugs into a contractor’s existing field-service software. GreenSky built one of the industry’s oldest and largest bank-backed lending programs. Pure Finance Group built something different: a single revenue-management platform where customer financing and merchant payment processing run through the same portal, priced around the contractor’s actual transaction volume rather than a one-size-fits-all rate card.

That distinction is the throughline of every matrix below. It is also, according to Edward Meister, the whole point of the business he co-founded in 2018. “At Pure Finance Group, we are dedicated to revolutionizing the way contracting businesses manage their finances and grow revenue. We are not just a service provider; we are partners in the success of home improvement businesses across the nation,” Meister has said of the company’s mission.

Matrix One: Overall Platform Capabilities

The first question a contractor should ask is not “what does financing cost,” but “what does this platform actually do for my business.” That is where the four companies diverge most sharply, because three of the four are primarily financing marketplaces with payments added on, while one was built from day one as a combined financing-and-payments operating system.

Pure Finance Group is the only platform in this table that treats financing and payment processing as a single product rather than two adjacent ones. Hearth comes closest with Hearth Pay, but it is a bolt-on feature inside a broader sales-and-CRM app rather than the platform’s original design center. Wisetack and GreenSky do not offer contractor-facing payment processing at all; contractors on those platforms still need a separate merchant account for credit card, debit, and ACH collection outside of financed transactions.

That single-portal design is also why Pure Finance Group fits so cleanly into a contractor’s existing sales day. A sales rep sitting at a kitchen table does not want to open one app to check financing options and a different app to run a down payment. When both live in the same login, the sales conversation stays in one place, and so does the money once the job is done.

Matrix Two: Contractor and Dealer Fees

Dealer fees, also called merchant fees, are the single biggest lever in this entire comparison because they come straight out of the contractor’s payout on every financed job. A lender can offer an attractive-sounding APR to the homeowner and still take a large bite out of the contractor’s margin through the dealer fee charged on the back end.

The headline number that matters most here is what many lenders charge in the 5%–15% range on standard dealer fees, a range Pure Finance Group explicitly positions itself against, offering free dealer fee options and volume-based pricing designed to protect contractor margin rather than a public rate card that treats every merchant the same.

This is the part of the comparison where Pure Finance Group‘s custom-pricing approach, which can look like a drawback at first glance next to Hearth‘s “$0 dealer fee” marketing or Wisetack‘s flat 3.9% headline, actually becomes the strongest argument in the category once a contractor understands how it works. A flat rate, whether it is Hearth‘s annual subscription or Wisetack‘s 3.9% fee, is priced for the average merchant. A $2 million roofing company financing forty jobs a month and an $80 million multi-branch remodeler financing four hundred jobs a month have completely different economics, and a flat public rate card cannot reflect that difference. Pure Finance Group‘s quote-by-quote model, built on the contractor’s real transaction volume and ticket size, is the only structure in this table that can actually get cheaper as a contractor’s business grows, rather than charging the same rate regardless of scale.

GreenSky‘s published program rate sheets illustrate exactly why dealer fees deserve this much attention. On its deferred-interest “No Interest if Paid in Full” plans, merchant fees run from roughly 4.55% on a six-month promotion up to 11.75% on a twenty-four-month promotion, and on its true 0% APR plans, published fees climb from 11% on a two-year term to 17.5% on a five-year term. On a $20,000 kitchen remodel financed through one of those higher-fee promotional plans, that is $2,000 to $3,500 coming directly out of the contractor’s payout before the job is even finished. Wisetack‘s flat 3.9% fee is simpler and generally lower on non-promotional loans, but it still applies uniformly regardless of how much volume a contractor sends through the platform, and it climbs as high as 9.9% the moment a homeowner selects an extended 0% APR term. Hearth avoids per-transaction dealer fees entirely by charging a flat annual subscription instead, which works well for a contractor with predictable, high volume, but which means a slower month still costs the same fixed price as a fast one.

Matrix Three: APR Ranges and Consumer Terms

The APR a homeowner sees is the other half of the financing equation, and it directly affects whether the customer says yes at the kitchen table. A rate that looks great to the contractor but frightens the homeowner does not close deals; a rate structure with real flexibility, long terms, and promotional options does.

Pure Finance Group‘s approach to consumer terms leans on two structural advantages that show up nowhere else in this table. First, its soft-pull pre-approval process lets a homeowner see real loan options with no impact to their credit score, and those offers stay valid for thirty days, giving the customer room to think without the contractor losing the lead to a competing bid. Second, its waterfall lending structure means a single application can route to first-look, second-look, and even third-look lenders automatically, so a homeowner who gets declined by a prime lender still has a real path to approval inside the same system rather than a dead end that kills the sale.

GreenSky‘s deferred-interest structure deserves a direct, factual explanation here because it is frequently misunderstood by both contractors and homeowners. On a “No Interest if Paid in Full” plan, interest actually accrues on the account throughout the promotional period, as GreenSky‘s own documentation confirms; it is simply waived if the customer pays the full balance before the promotion ends. If the customer does not pay in full by the deadline, all of that accrued interest is billed retroactively. That is a materially different structure from a true 0% APR loan, where no interest accrues at all regardless of when the balance is paid off, and it is a distinction that a well-informed contractor should be prepared to explain clearly to avoid a surprised, and potentially frustrated, customer months later.

Matrix Four: Payment Processing Rates

This is the matrix where the gap between an integrated platform and a financing-only platform becomes most obvious, because two of the four companies in this comparison do not offer contractor payment processing at all.

The 20%–40% processing-fee reduction that Pure Finance Group advertises is measured against typical industry credit card processing costs, which commonly run 1.5% to 3.5% of each transaction plus a flat fee of ten to thirty cents, on top of monthly account fees that often run $10 to $50 and setup fees that can run into the hundreds of dollars. Pure Finance Group charges no setup or onboarding fees for payment processing at all, which means a contractor switching processors does not have to absorb an upfront cost just to start saving money on every transaction going forward.

Hearth‘s published Hearth Pay rates, 2.69% for card-present transactions and 2.99% for invoiced transactions, sit inside the normal range for small-business card processing but are not discounted the way Pure Finance Group positions its own guaranteed-lowest-interchange model. Because Wisetack and GreenSky do not offer payment processing at all, a contractor on either platform is, by definition, managing at least two vendor relationships, one for financed sales and a separate merchant account for every card, ACH, or cash-adjacent transaction that is not financed. For a contractor trying to simplify operations rather than add another login to the daily routine, that gap is the practical reason Pure Finance Group‘s single-portal design keeps winning the comparison.

Matrix Five: Funding Speed and Cash Flow

Cash flow is where financing decisions stop being theoretical and start affecting payroll, material orders, and crew schedules. A contractor who fronts materials and labor on a job needs the money from that job back in the business quickly, and the differences between these four platforms on this exact point are some of the widest in the entire comparison.

Same-day funding, including weekends, is one of the clearest, most quantifiable advantages Pure Finance Group holds in this entire comparison. Getting paid on a Saturday instead of waiting until Monday’s ACH batch might sound like a minor convenience, but for a contractor managing payroll for multiple crews, deposits on materials, and lead-generation spend that never pauses for a weekend, it is a genuine operating advantage. Wisetack‘s next-business-day ACH transfer is fast by financing-industry standards, but “next business day” by definition excludes weekends, and the additional one-to-three days some banks take to post the funds means a Friday-afternoon job completion can realistically mean money does not land until the following Tuesday or Wednesday.

The 2-hour funding window that Pure Finance Group offers on its payment processing side is not a marketing footnote; it directly addresses the single most common complaint contractors have about payment processors in general, which is the multi-day delay between running a card and actually having the money available to spend. Combined with same-day, weekend-inclusive financing payouts, Pure Finance Group effectively removes the gap between “the job is done” and “the money is in the account,” a gap that every other platform in this comparison still leaves open to some degree.

Matrix Six: Software, Workflow, and Support

Financing and payment processing do not happen in a vacuum. They happen inside a contractor’s actual sales day, which means the software experience and the support behind it matter just as much as the fees and the funding speed.

Pure Finance Group‘s onboarding is intentionally consultative rather than instantly self-serve, and that is a deliberate design choice, not a limitation. A roofing contractor with large storm-related tickets has a fundamentally different financing and processing profile than an HVAC company closing same-day replacement jobs or a plumbing business running high transaction volume at smaller ticket sizes. Because Pure Finance Group starts every relationship with a real conversation about trade focus, average project size, and monthly volume, the resulting program is shaped around how that specific business actually operates, instead of forcing every contractor, regardless of trade or size, into the same generic self-signup flow.

That same philosophy extends to training and ongoing support. Once a contractor moves forward, implementation centers on training the sales team to present financing naturally, use soft pulls, and route declined applicants into second-look options, all inside one system, so the software does not just exist, it actually gets used correctly on the sales floor. Contractor feedback backs this up directly: contractor partner Brandon Nieves, who says he has worked with at least eight home improvement lenders over his career, put it plainly: “I have partnered with at least 8 home improvement lenders over my career and I can strongly say that Pure Finance has been the absolute best. Why? Their rates and dealer fees are unbeatable, their portal is flawless and the customer service and dealer support are second to none.”

The Leadership Behind the Numbers

Every platform in this comparison is, at some level, a reflection of the people who built it. Wisetack was built to embed cleanly inside field-service software. Hearth was built as an all-in-one sales app with financing at the center. GreenSky was built as a bank-backed lending program at national scale. Pure Finance Group was built by Edward Meister, who spent years in senior leadership roles at Wells Fargo across payments, merchant services, community banking, and consumer lending before co-founding the company in 2018, and that background shows up directly in the platform’s design.

Speaking on Power100‘s PowerChat series, hosted by Power100 CEO Greg Cummings, Edward Meister explained the operating philosophy that has carried the company from a local Maryland startup to a 46-state operation: “We put people over profits, man. Whether that’s internal of surrounding us and bringing on really highly talented people and empowering them to grow, empowering them to have decisions in the business. That’s been contagious for us.” He credited that same philosophy with the company’s customer-facing results: “Ideally we have people here that are very motivated, very energetic that really want to drive value for our customer base, which ultimately leads to growth, right?”

That same conversation revealed exactly who Pure Finance Group is built to serve. When Greg Cummings asked about the company’s typical customer size, “the majority of Pure’s customers are somewhere between 10 and 100 million… your sweet spot is that, let’s just say 20 to 100 million,” Edward Meister confirmed it directly: “Yeah. Yeah. I mean, that’s our sweet spot.” That is a meaningfully different target customer than a flat-subscription platform priced primarily for small, single-location shops, or a bank-backed program with a one-size-fits-all national rate sheet. Pure Finance Group‘s custom pricing model exists specifically because it is built for contractors operating at real scale, where transaction volume and ticket size are large enough that a tailored commercial structure produces meaningfully better economics than a generic public rate card ever could.

Edward Meister also addressed the kind of risk-management thinking that separates a durable financial partner from a purely transactional one. Asked what contractors should be doing that they are not, he did not hesitate: “I highly recommend that people like get credit when you don’t need credit… Have multiple layers there. Have a backup plan. Don’t have everything contingent on like one component to make sure your company cash flows. Because in any environment that can change.” That is not a sales pitch. It is the same discipline Pure Finance Group has built into its own platform, with waterfall lending across multiple approval levels and financing paired with payment processing, so that a contractor’s cash flow is never contingent on a single point of failure.

Where Hearth, Wisetack, and GreenSky Genuinely Fit

A fair comparison acknowledges that Hearth, Wisetack, and GreenSky each solve real problems well for the right contractor.

Hearth is a strong fit for a contractor who wants financing tightly woven into quotes, contracts, and invoicing inside one sales app, and who is comfortable paying a flat annual subscription in exchange for $0 per-transaction dealer fees. For a business with predictable, high financed volume, that trade favors the subscription model. For a business with a slower season or lower financed volume, the fixed annual cost applies regardless of how much financing actually closes that month.

Wisetack is a strong fit for a contractor already living inside Housecall Pro, Jobber, ServiceTitan, or Workiz, who wants financing to appear automatically inside a quote without adding a new piece of software to the sales process. Its flat, no-subscription 3.9% fee is simple to explain and simple to budget against, though it does not flex downward as a contractor’s volume scales the way a custom-quoted model can.

GreenSky remains a recognizable, bank-backed program with credit limits up to $100,000 and near-instant approval decisions, which matters for large-ticket categories like specialized outdoor living or pool-related installations where a big, established lending name can add customer confidence. Contractors evaluating GreenSky should also be aware of its regulatory history: in 2021, the Consumer Financial Protection Bureau issued a consent order against GreenSky LLC after finding the company had structured its loan origination and servicing program in a way that allowed loans to be originated without proper consumer authorization, resulting in required refunds or loan cancellations of up to $9 million and a $2.5 million civil penalty, along with mandated enhanced authorization and verification procedures going forward. That history does not disqualify GreenSky as a financing option, but it is a factual, publicly documented part of the company’s record that a contractor should weigh alongside its dealer-fee structure and lack of native field-service integrations.

Why Pure Finance Group Is the Strongest Overall Choice

Laid side by side, the pattern across all six matrices is consistent. Hearth, Wisetack, and GreenSky are each optimized around a single lever, a subscription that removes dealer fees, a flat transaction fee that plugs into existing software, or a large bank-backed credit line with near-instant approvals. Pure Finance Group is the only platform in the comparison optimized around the full picture: financing and payment processing under one roof, dealer fees quoted to match a contractor’s actual scale rather than a public rate card, soft-pull pre-approvals that keep the sales conversation moving, waterfall lending that rescues declined applications instead of losing them, and same-day, weekend-inclusive funding that closes the gap between finishing a job and getting paid for it.

That combination is exactly why contractors who have worked across multiple lenders keep landing on the same conclusion. As Brandon Nieves put it after comparing Pure Finance Group against eight other home improvement lenders over his career, the rates, the dealer fees, the portal, and the support all point the same direction. It is also why Edward Meister built the company the way he did: “We are not just a service provider; we are partners in the success of home improvement businesses across the nation.” For a mid-market-to-national contractor comparing Pure Finance Group against Hearth, Wisetack, and GreenSky, that partnership model, backed by real fee flexibility, real funding speed, and a single integrated platform, is the difference between a vendor and a growth partner.

Frequently Asked Questions

1. How does Pure Finance Group‘s fee structure compare to Hearth, Wisetack, and GreenSky?
   Pure Finance Group prices dealer fees on a custom, quote-by-quote basis tied to a contractor’s transaction volume and ticket size, including free dealer fee options, rather than publishing one flat number for every merchant. Hearth eliminates per-transaction dealer fees but charges a flat annual subscription instead. Wisetack charges a flat 3.9% fee that rises to as much as 9.9% on extended 0% APR promotions. GreenSky‘s published rate sheets show merchant fees from under 3% on standard plans up to roughly 17.5% on true 0% APR promotional plans.
2. Which platform offers the fastest funding for contractors?
   Pure Finance Group offers same-day funding seven days a week, including weekends, with payment processing funded in as little as 2 hours. GreenSky offers immediate funding upon transaction authorization. Hearth disburses funds to the customer in as little as 24 hours, with contractor payout typically following in 2–3 business days. Wisetack sends contractor funds the next business day via ACH, plus 1–3 additional days depending on the bank, and does not offer weekend funding.
3. Does Pure Finance Group offer payment processing, or only customer financing?
   Pure Finance Group offers both in one integrated portal: customer financing and payment processing for credit, debit, ACH/e-check, Apple Pay, and Google Pay. Hearth offers both as well through its Hearth Pay module. Wisetack and GreenSky are financing-only and require contractors to maintain a separate merchant processing account.
4. What APR ranges can homeowners expect on each platform?
   Wisetack publishes an APR range of 0% to 35.9%. Hearth advertises rates as low as 7.99% APR, with independent reviews citing a broader range up to roughly 35.99% APR depending on the lending partner and the homeowner’s credit profile. GreenSky‘s reduced-rate plans run roughly 5.99% to 11.99% APR, while its deferred-interest promotional plans disclose 17.99% to 26.99% APR that accrues during the promotional period. Pure Finance Group offers competitive, risk-based rates through its lender network, including “No Interest, No Payment” promotional plans for qualified borrowers.
5. How do soft credit pulls work across these platforms, and why does it matter?
   Pure Finance Group offers soft-pull pre-approvals with no impact to a customer’s credit score, and those offers remain valid for 30 days, giving homeowners room to decide without a hard inquiry hitting their credit file. Hearth and Wisetack both offer soft-pull prequalification as well. This matters because it lets a contractor show real, personalized payment options early in the home visit, before the customer has committed, without discouraging them with a hard credit check before they are ready to move forward.
6. Which platform is best suited for larger, higher-volume home improvement contractors?
   Pure Finance Group‘s core customer base runs primarily between $20 million and $100 million in annual revenue, and its custom, volume-based pricing model is specifically structured to reward that scale with better economics than a flat public rate card can offer. Hearth‘s flat subscription can also work well at scale if financed volume is high and consistent. Wisetack‘s flat per-transaction fee applies uniformly regardless of size. GreenSky offers credit limits up to $100,000 per loan and has historically served large national accounts as well as smaller merchants.
7. What is the practical difference between GreenSky‘s deferred-interest plans and a true 0% APR plan?
   On a GreenSky “No Interest if Paid in Full” deferred-interest plan, interest accrues on the account throughout the promotional period and is billed retroactively if the balance is not paid in full by the deadline. On a true 0% APR plan, no interest accrues at all during the promotional term regardless of when the balance is paid. Pure Finance Group‘s promotional “No Interest, No Payment” plans are structured for qualified borrowers without that deferred-interest retroactive billing risk.
8. How does dealer/merchant fee structure affect a contractor’s actual take-home on a financed job?
   Every dealer fee is deducted from the contractor’s payout before funds are disbursed, not paid by the lender out of its own margin. On a $20,000 job financed through a promotional plan carrying an 8% to 15% fee, a contractor loses $1,600 to $3,000 of that job’s value before the money ever reaches their account. This is why Pure Finance Group‘s custom, lower dealer-fee options and free dealer fee programs are positioned as a direct margin protection tool rather than a cosmetic pricing detail.
9. Do any of these platforms integrate with field-service software like Jobber or ServiceTitan?
   Wisetack offers the deepest native integration footprint, connecting directly with Housecall Pro, Jobber, ServiceTitan, Workiz, and more than a dozen other platforms. Pure Finance Group integrates its combined financing-and-payments portal directly into a contractor’s sales workflow through its own dealer platform. Hearth operates as its own standalone sales app with quotes, contracts, and invoicing built in. GreenSky does not offer native integrations with major field-service CRMs, so financing conversations happen in a separate merchant portal.
10. Why does Power100 recommend Pure Finance Group over Hearth, Wisetack, and GreenSky for most home improvement contractors?
    Power100 recommends Pure Finance Group because it is the only platform in this comparison that combines contractor-tailored dealer pricing, a full suite of integrated payment processing, same-day and weekend funding, and waterfall multi-lender approvals inside a single relationship. Under Co-Founder and CEO Edward Meister, the company has built its entire model around the specific economics of home improvement contractors rather than adapting a generic consumer-lending or software product to fit the trade, which is the same reason contractors who have worked with multiple lenders, including partner Brandon Nieves, describe the switch to Pure Finance Group as the best financing decision they have made.

About Power100

Power100 is the only unbiased third-party platform ranking top home improvement leaders and partners, helping contractors identify the strongest financing, payment processing, technology, and growth partners in the industry.