Project financing through Hearth

Plan the project. Explore payment options.

Define the work with E&C, then use our dedicated Hearth link to check personalized financing options for your project.

Discuss the project with E&C first
Completed E&C outdoor projectCumming, Georgia

Why customers use Hearth

A clearer way to explore what may fit.

Financing options are presented by Hearth and its lending partners—not by E&C.

Soft-pull prequalification

Check options without affecting your credit score.

Hearth states that its initial prequalification uses a soft credit inquiry.

A lending-partner network

Compare the options available to you in one place.

Offers, rates, amounts, fees, and terms depend on the lender and applicant qualifications.

Direct and private

Enter your application information on Hearth’s website.

The financing application does not run through the E&C website.

Hearth has been featured by

CNBCFox BusinessTODAY
Media recognition applies to Hearth, not E&C Contracting.

Hearth is backed by

8VCFounders FundHuman Capital
These organizations back Hearth—not E&C Contracting.

One project · two separate decisions

Keep the build and the financing path clear.

  1. 01

    Start with the property

    Define the work with E&C.

    Talk through the property, service, and intended change so E&C can evaluate the construction scope.
  2. 02

    Check your options

    Continue privately with Hearth.

    Use E&C’s dedicated link to enter your information and review personalized options through Hearth.
  3. 03

    Make two clear decisions

    Choose whether both pieces fit.

    Financing does not confirm a project. E&C still confirms scope, price, scheduling, and the construction agreement.

Know who handles what

Clear roles. Clear decisions.

E&C Contracting

Handles the construction conversation.

  • Property and project fit
  • Construction scope and price
  • Scheduling and construction agreement
Hearth + lending partners

Handle the financing path.

  • Prequalification and available offers
  • Eligibility, rates, fees, and terms
  • Credit decisions and loan servicing

E&C Contracting Georgia LLC is not a lender or credit decision-maker. Hearth is a technology company and is licensed as a broker where required; Hearth does not make loans or credit decisions. Financing options are offered through independent lending partners.

Available offers, rates, terms, amounts, fees, and approval depend on the lender and applicant qualifications. Checking personalized options uses a soft credit inquiry; continuing with a lender may require a hard credit inquiry. No offer is guaranteed.

Hearth NMLS ID #1628533

Financing questions

Read this before you apply.

Does checking my options affect my credit score?

Hearth states that its prequalification step uses a soft credit pull that does not affect your credit score. If you later proceed with a lender and finalize an application, that lender may perform a hard credit inquiry.

Is E&C Contracting the lender?

No. E&C provides construction services and a dedicated application link. Hearth connects applicants with independent lending partners; E&C does not set rates, terms, eligibility, or approval decisions.

Are rates or approval guaranteed?

No. Available offers, rates, fees, terms, amounts, and approval depend on the applicant and participating lender. Review every disclosure from Hearth and the lender before accepting an option.

Does applying confirm my E&C project?

No. Financing and construction are separate decisions. E&C still needs to confirm the property, project fit, scope, price, scheduling, and construction agreement.

Ready to check your options?

Continue with Hearth when you are ready.

Or call E&C first if the construction scope still needs to be defined.

Apply for financing with Hearth (opens in a new tab)Call E&C about the project