QuoteIQ

HomeCompareQuoteIQ vs Hearth
Updated April 2026

QuoteIQ vs Hearth:
Full CRM vs Financing Platform

Hearth helps your customers pay for the job. QuoteIQ helps you win, run, and complete the job. Hearth has zero field operations, zero property tools, zero AI (unless you pay extra), and zero customer communication — 30 features it simply does not offer. The largest gap of any competitor we’ve analyzed.

30Features Hearth Lacks
78%Savings at Entry Level
4.7★4,100+ Reviews
The Verdict

Hearth Is a Financing Platform — Not a Business Management Tool

Hearth (by Shogun Enterprises Inc.) is primarily a customer financing marketplace that lets contractors offer homeowner loans from $1,000 to $250,000 with no dealer fees. The quoting, invoicing, payments, and scheduling features are secondary — built around the financing engine. Hearth requires annual-only contracts with a $99 setup fee, offers no free trial, and has faced significant customer support complaints in 2025. QuoteIQ is an all-in-one field service management CRM built specifically for home service contractors — month-to-month billing, 14-day free trial, and 30 features Hearth does not offer at any price. That’s the largest feature gap of any competitor we’ve analyzed.

What You’re Actually Paying

Hearth requires annual contracts only — no monthly billing option. All plans include a $99 one-time setup fee. QuoteIQ is month-to-month, cancel anytime.

Hearth

Annual-Only Pricing

Essentials
1 user · Financing + invoicing only. No quotes.
~$125/mo
Pro
5 users · + quotes, contracts, marketing
~$150/mo
Elite
10 users · + multi-location
~$417/mo
QuoteIQ

All-in-One Pricing

Essentials
1 user · CRM, estimates, invoicing, AI
$29.99/mo
Beginner
2 users · + MapMeasure, e-signatures
$74.99/mo
Pro
4 users · + texting, job costing, QB sync
$149.99/mo
Elite
7 users · + routing, inventory, dispatching
$249.99/mo
Max
Unlimited users · All features
$399.99/mo

The Real Price of Hearth vs QuoteIQ

At every tier, QuoteIQ delivers dramatically more features for equal or lower cost — with no annual lock-in.

Entry Level (1 User)

Hearth Essentials (annual)$125.00/mo
+ $99 setup (amortized)$8.25/mo
Hearth True Cost$133.25/mo
QuoteIQ Essentials$29.99/mo
You Save$103.26/mo (78%)

Hearth Essentials doesn’t even include quotes, contracts, or marketing tools.

Growth Level (10 Users)

Hearth Elite (annual)$416.58/mo
+ $99 setup (amortized)$8.25/mo
Hearth True Cost$424.83/mo
QuoteIQ Elite$249.99/mo
You Save$174.84/mo (41%)

QuoteIQ Elite includes routing, GPS, dispatching, inventory — none available on Hearth.

Every Feature, Side by Side

Hearth’s strength is customer financing. QuoteIQ’s strength is everything else a contractor needs to run their business.

FeatureQuoteIQHearth
Customer Financing
Lending Marketplace ($1K–$250K)✗ None✓ Core Product
0% Intro APR Credit Card✗ None✓ Pro+
Financing Embedded in Quotes✗ None✓ Pro+
Quoting & Estimates
Standard Estimates✓ All Plans✓ Pro+
Options / Package Estimates✓ All Plans✗ None
AI Estimate Generator✓ All Plans✗ None
E-Signatures✓ Beginner+✓ Pro+
Invoicing & Payments
Invoicing✓ All Plans✓ All Plans
Online Payments (CC, ACH)✓ All Plans✓ All Plans
Communication
Two-Way SMS / Texting✓ Pro+✗ None
Business Phone Number✓ Pro+✗ None
Email & Text Automation✓ Pro+⚠ Reminders Only
AI Features
AI Autopilot✓ All Plans✗ None
AI Estimator✓ All Plans✗ None
AI Virtual Call Team✓ All Plans⚠ Add-On (“Harper”)
Before/After AI Image Gen✓ All Plans✗ None
Scheduling & Operations
Job Scheduling / Calendar✓ All Plans⚠ Basic Calendar
Dispatching✓ Elite+✗ None
Route Optimization✓ Elite+✗ None
GPS Crew Tracking✓ Elite+✗ None
Time Tracking✓ Elite+✗ None
Job Costing / P&L✓ Pro+✗ None
Inventory Management✓ Elite+✗ None
Property & Documentation
MapMeasure Pro (Satellite)✓ Beginner+✗ None
QuoteIQ Cam (Job Photos)✓ Beginner+✗ None
Inspection Forms✓ Beginner+✗ None
Marketing & Reviews
Review Multiplier✓ Beginner+✗ None
Mass Campaigns✓ Pro+✗ None
Website Builder✓ Add-On/Max✗ None
Integrations
QuickBooks (Full Accounting Sync)✓ Pro+✗ None
Google Calendar Sync✓ All Plans✗ None
Google Reserve Booking✓ All Plans✗ None
Contract Terms
Month-to-Month Billing✓ Yes✗ Annual Only
Free Trial✓ 14 Days✗ None
Setup Fee$0$99

30 Features Hearth Can’t Match

The largest feature gap of any competitor we’ve analyzed. These are features QuoteIQ includes that Hearth does not offer at any price, on any plan.

🤖
AI Autopilot
AI manages follow-ups and scheduling
📝
AI Estimator
Photo-based instant estimate generation
🔄
Before/After AI
AI-generated before/after images
📐
MapMeasure Pro
Satellite property measurement
📸
QuoteIQ Cam
Job site photo documentation
🗺️
Route Optimization
Smart multi-stop routing
📍
GPS Crew Tracking
Real-time field crew location
⏱️
Time Tracking
Clock in/out for crew hours
🚀
Dispatching
Assign and dispatch crews to jobs
📦
Inventory Management
Track materials across jobs
📊
Job Costing
Real-time profit and loss per job
🧾
Expense Tracking
Log expenses and attach receipts
📒
QuickBooks Integration
Full two-way accounting sync
💬
Two-Way SMS & Calling
Text and call from a business number
📧
Mass Campaigns
Email and text blasts to customers
📋
Options & Package Estimates
Good/Better/Best estimate formats
📄
Inspection Forms
Custom field inspection reports
💼
Pipelines & Deals
Visual sales pipeline
InstaQuote & InstaSchedule
Customer self-quoting and booking
Review Multiplier
Automated review requests
👥
Team Communication
Internal team messaging
📱
Google Reserve
Book jobs from Google Search
🌐
AI Website Builder
Build a contractor website in minutes
📞
AI Virtual Call Team
Included on every plan (Hearth charges extra)

Where Each Platform Wins

Customer financing is genuinely valuable for high-ticket trades. Here’s an honest look at where each platform leads.

Where Hearth Wins

🔵Customer financing marketplace — Multiple lending partners, FICO as low as 550, loans up to $250K, no dealer fees, pre-qualification in minutes. This is Hearth’s core product and QuoteIQ does not offer customer financing.
🔵0% Intro APR credit cards — Option to offer customers 0% introductory APR cards for projects. Powerful for high-ticket trades.
🔵Financing in quotes — Quotes automatically show projected monthly payments alongside total price. Proven to increase close rates by 17% and project sizes by 30% (Enerbank data).
🔵Multi-location support — Elite plan supports up to 3+ locations. Useful for franchise or regional operations.

Where QuoteIQ Wins

🟡78% cheaper at entry level — QuoteIQ Essentials at $29.99/mo vs Hearth Essentials at $133.25/mo (including setup fee). And QuoteIQ includes more features.
🟡No contracts, no setup fees — Month-to-month billing, cancel anytime, 14-day free trial. Hearth requires annual contracts with auto-renewal and a $99 setup fee.
🟡30 exclusive features — The largest gap of any competitor. Everything from GPS tracking to route optimization to AI tools to property measurement.
🟡6 AI tools included on every plan — Hearth’s AI Receptionist is a separate paid add-on. QuoteIQ includes AI Autopilot, AI Estimator, Virtual Call Team, Before/After AI, AI Text Generator, and AI Smart Import on every plan.
🟡Proven customer support — 4.7/5 rating across 4,100+ reviews. Hearth’s recent Capterra reviews describe lost deals from unresponsive support, refusal to issue refunds, and auto-renewal complaints.
🟡Complete field operations — Route optimization, GPS, dispatching, time tracking, inventory, job costing. Hearth has zero field operations capability.

Why QuoteIQ Exists

QuoteIQ was built by two service business owners who tried every tool on the market — including financing-first platforms — and built the all-in-one CRM they wished existed.

Mike Vidan II
Co-Founder, QuoteIQ
580,000+ YouTube subscribers · Mike-Vidan channel

Former U.S. Army veteran and contractor who grew a pressure washing business from zero to six figures. With 580,000+ YouTube subscribers, Mike is one of the most trusted voices in the home service industry. He built QuoteIQ because no existing tool covered everything a contractor needs in one place.

Read Full Profile →
Justin Rogers
Co-Founder, QuoteIQ
743,000+ YouTube subscribers · ForeverSelfEmployed channel

Service business entrepreneur and content creator who built and scaled multiple contracting companies. With 743,000+ YouTube subscribers on ForeverSelfEmployed, Justin has helped thousands of contractors grow their businesses. He co-founded QuoteIQ to eliminate the multi-tool patchwork most contractors rely on.

Read Full Profile →

What Contractors Are Saying

★★★★★

“I hesitated at the price, but the support team & constant updates made me feel valued and confident in using it.”

constancewattersi
App Store · Verified Review
★★★★★

“The fact that all of this is in one place saves so much time and hassle.”

BartonSWS
App Store · Verified Review
★★★★★

“From scheduling to invoicing, this app handles everything, making home service businesses grow faster.”

Naquin Parrish
App Store · Verified Review

Watch How QuoteIQ Works

See why 40,000+ contractors choose QuoteIQ as their all-in-one business platform.

Watch Video →

Switch from Hearth to QuoteIQ in 5 Steps

No annual contract, no setup fee, no commitment. Start your free trial and see the difference before Hearth’s next renewal hits.

1
Start Your Free Trial
Pick any plan. 14 days free. Credit or debit card required.
2
Export from Hearth
Download your client list as CSV from Hearth.
3
Import into QuoteIQ
Upload CSV via AI Smart Import. Transfers in minutes.
4
Run Both Side-by-Side
Use QuoteIQ alongside Hearth during the trial.
5
Cancel Hearth
Once comfortable, cancel before renewal and save up to 78%.

QuoteIQ vs Hearth FAQ

Answers to the most common questions contractors ask when comparing these platforms.

No. Hearth is primarily a customer financing platform with basic quoting, invoicing, and scheduling features built around its lending marketplace. It does not include route optimization, GPS tracking, dispatching, time tracking, inventory management, job costing, customer communication, property measurement, or AI tools (the AI Receptionist is a separate paid add-on). QuoteIQ is an all-in-one field service management CRM with 30 features Hearth does not offer at any price.
No. QuoteIQ does not include a built-in customer financing marketplace. If you need customer financing for high-ticket projects, you can use a standalone financing tool like Wisetack, GreenSky, or BuildFolio alongside QuoteIQ — many of these charge no subscription fee. QuoteIQ handles everything else: CRM, estimates, invoicing, payments, scheduling, AI, and 30 features Hearth lacks.
Yes. QuoteIQ offers a 14-day free trial on all plans, from Essentials ($29.99/mo) through Max ($399.99/mo). Credit or debit card required to start. No setup fee. Month-to-month billing, cancel anytime. Hearth does not offer a free trial and requires annual contracts with a $99 setup fee.
At the entry level, QuoteIQ Essentials is 78% cheaper ($29.99/mo vs Hearth’s $133.25/mo including setup). At the growth level, QuoteIQ Elite is 41% cheaper ($249.99/mo vs Hearth’s $424.83/mo). And QuoteIQ includes 30 features Hearth doesn’t have at any tier. QuoteIQ is also month-to-month with no contracts, while Hearth requires annual prepayment.
Hearth wins in customer financing: a lending marketplace with multiple partners, FICO scores as low as 550, loans up to $250,000, no dealer fees, pre-qualification in minutes, and 0% Intro APR credit card options. Studies show customer financing increases close rates by 17% and project sizes by 30%. Hearth also offers multi-location support on Elite. For HVAC, roofing, and remodeling contractors selling $10K-$100K+ projects, customer financing directly impacts revenue. However, Hearth has zero field operations, zero property tools, zero customer communication, and zero AI included in its plans.
Yes. Hearth offers annual-only billing — there is no month-to-month option. All plans also require a $99 one-time setup fee. Multiple Capterra reviews from 2025 describe issues with auto-renewal being buried in fine print and difficulty obtaining refunds. QuoteIQ is month-to-month, cancel anytime, with no setup fees and a 14-day free trial.
QuoteIQ includes 6 AI tools on every plan: AI Autopilot, AI Estimator, AI Virtual Call Team, Before/After AI, AI Text Generator, and AI Smart Import. Hearth’s AI Receptionist (“Harper”) is a separate paid add-on not included in any plan — it handles call answering with recording and transcription. QuoteIQ’s AI Virtual Call Team provides comparable call handling included on every plan at no extra cost.
No accounting integration is mentioned in Hearth’s documentation. Hearth integrates with Stripe for payment processing and supports Apple Pay and Google Pay, but does not appear to offer QuickBooks, Xero, or any accounting software sync. QuoteIQ’s QuickBooks integration (Pro and above) is a full two-way accounting sync that handles customers, invoices, payments, and financial data.

Financing Closes the Deal.
QuoteIQ Runs the Business.

Hearth helps your customers pay. QuoteIQ helps you win, schedule, complete, invoice, and get paid — with 30 features no financing platform can match. Start your 14-day free trial and run your entire business from one platform.

Start Free Trial → Book a Demo

All plans include 14-day free trial. Credit or debit card required. Month-to-month. Cancel anytime. No setup fees.

The pricing, features, and integration details on this page reflect what was publicly available and accurate as of April 2026. This is an independent comparison and we strongly encourage readers to confirm current information directly with each software provider before making any decisions.