Use Someone Else's Money to Grow Your Business
Dan and Stephen didn't settle for the first financing option that came along. They evaluated five different financing companies before choosing the one that truly works for contractors like you.
The result is a financing solution designed to help you grow without draining your cashflow.
- Soft credit check
- No impact to your credit score
- 15 and 21 month financing options
- 0% interest
- Affordable monthly payment options
- No prepayment penalties
- No home equity required
- Loan amounts up to $250,000
- Funding in as little as 1–3 days
This financing was built to support real growth, not slow it down. Keep your cash working inside your business while you expand capabilities, upgrade equipment, and move forward with confidence.
Sounds like a lot of wins for you.
Terms & Conditions
All financing options are provided through Hearth and are subject to credit approval. Financing terms, interest rates, and approval amounts are determined by the lending partners within the Hearth network.
- Soft credit check only - no impact to your credit score during prequalification
- Final terms determined upon lender approval
- Financing available for qualifying equipment purchases through Total Surface Solutions
- 0% interest options available for qualified customers on 15 and 21-month terms
- Loan amounts up to $250,000 subject to approval
- No prepayment penalties
- No home equity or collateral required
Important: Total Surface Solutions is not a lender. Financing is provided by third-party lenders through the Hearth financing platform. All financing decisions and terms are subject to lender approval and may vary based on credit profile and other factors.
Financing FAQ
Powered by Hearth
We partner with Hearth, a financing platform that works with multiple lenders to match you with the best available option based on your profile. This allows us to offer flexible terms instead of forcing everyone into a one-size-fits-all loan.
No. Hearth uses a soft credit check for prequalification, which does not affect your credit score.
Qualified customers may be eligible for:
- 15-month and 21-month terms
- 0% interest options
- Affordable monthly payment plans
- No prepayment penalties
Final terms are determined by lender approval through Hearth.
Loan amounts may be approved up to $250,000, depending on credit profile and lender criteria.
No. There is no home equity or collateral required.
Many customers receive funding in as little as 1–3 business days after approval, allowing you to move forward without delays.
Financing can be used for qualifying equipment purchases and upgrades available through Total Surface Solutions. This allows you to grow, replace worn-out equipment, or expand capabilities without draining your cashflow.
Yes. There are no prepayment penalties, so you can pay it off early if that makes sense for your business.
Dan and Stephen evaluated multiple financing providers before selecting Hearth. Hearth stood out because it offers:
- Contractor-friendly terms
- Soft credit checks
- Fast funding
- Multiple lender options
- No pressure or hidden penalties
We chose Hearth because it supports smart growth, not risky decisions.
Financing is ideal for contractors who:
- Want to grow without draining cashflow
- Prefer predictable monthly payments
- Are upgrading or replacing equipment
- Want to keep cash available for operations
The application is quick and simple and takes only a few minutes to complete. You'll receive real options fast, without impacting your credit score.