If you’re offering financing or payment plans to customers, you know how risky it is to operate without real insight into a consumer’s credit situation.
Whether you’re a home improvement contractor, a dental practice, or a high-ticket services provider — you need better data to price jobs, extend terms, and route deals to the right lender.
That’s why platforms like Hearth, iSoftpull, and 1AndFund exist.
But what if we told you those tools might be giving you just enough credit visibility to be dangerous — while keeping real insight locked away?
Enter: Paperoute — a powerful alternative that gives you full access to consumer credit data and performance analytics without the lender bias, closed networks, or hidden agendas.
Let’s compare Paperoute to Hearth, iSoftpull, and 1AndFund — feature by feature.
The financing tech market has exploded with platforms promising to make it easier to get customers approved. But if you’re using one of these tools, you’re likely running into at least one of these issues:
These platforms are great at processing applications. They’re not great at telling you what’s actually going on behind the scenes.
Paperoute was built from the ground up to put the credit data itself into your hands.
It doesn’t fund loans. It doesn’t charge dealer fees. It doesn’t take referral commissions from lenders.
Paperoute is a lender-agnostic credit data and analytics platform that gives small and medium-sized businesses access to tools usually reserved for enterprise-level operations.
Here’s what you can do with Paperoute:
| Feature | Paperoute ✅ | Hearth ❌ | iSoftpull ❌ | 1AndFund ❌ |
|---|---|---|---|---|
| Soft credit pulls | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Credit Score and Top Ingredients | ✅ Yes | ❌ Limited | ✅ Partial | ❌ No |
| Available credit visibility | ✅ Yes | ❌ No | ✅Yes | ❌ No |
| Custom lead scoring (LEAD) | ✅ Yes | ❌ No | ❌ No | ❌ No |
| Lender-neutral | ✅ Yes | ❌ No | ✅ Yes | ❌ No |
| Lender performance analytics | ✅ Yes | ❌ No | ❌ No | ❌ No |
| Bring your own lenders | ✅ Yes | ❌ No (closed list) | ❌ No (n/a) | ❌ No (closed list) |
| Dealer fees or rev share | ❌ None | ✅ Often | ❌ None | ✅ Yes |
| Marketing channel insights | ✅ Yes | ❌ No | ❌ No | ❌ No |
| Unlimited Users | ✅ Yes | ❌ up to 10 | ✅Add $ per User | ❌ No |
Hearth focuses on home improvement contractors and offers a quick way to send a loan application to multiple partner lenders. But…
Hearth makes it easy to submit financing… but Paperoute helps you understand who’s likely to say yes — before you even apply.
Searching for a “Hearth alternative”? Paperoute gives you credit insights, lender performance data, and more flexibility.
iSoftpull provides soft credit pulls for businesses that want to prequalify clients. It’s a decent tool for basic credit checks, but…
If you just need to verify a FICO score, iSoftpull works. But if you want to predict outcomes, manage risk, and adjust strategy — Paperoute is the better fit.
1AndFund promises fast access to a wide network of lenders. But it’s more of a lead distribution and financing portal than a credit intelligence tool.
Looking for a 1AndFund competitor that puts you in control? Paperoute lets you own the credit data and make smarter sales decisions.
Home Improvement Contractors
Health & Dental Providers
High-Ticket Services (coaching, marketing, consulting)
LEAD Scores are Paperoute’s secret weapon.
They let you build custom approval models based on your own lender network, pricing structure, and customer profile.
Your team gets a simple, consistent score that predicts:
No more flying blind. No more “submit and pray.”
If you’re relying on Hearth, iSoftpull, or 1AndFund, chances are you’re only seeing a fraction of the picture.
Paperoute is built for the next generation of business owners — those who want to use credit data to drive sales, manage risk, and protect margin.
👉 Visit paperoute.com to learn more and schedule a demo.
